a credit limit of $750.00. I also have the premiers and orchards but one of better offer as my last. If you have the same credit problem and have gotten a good high credit limit with low payment, could you give me the www.bank to fill out for an application for that credit card instead of waiting for a deal to come in the mail. No Prepaid Please. Thank you!
2007-03-23 16:03:15 · 5 answers · asked by auntkarendjjb 6 in Business & Finance ➔ Credit
They don't exist. A credit card is unsecured, which means if you don't pay, the lender (credit card company) has limited means of getting their money back. Therefore, those that will lend to people with poor credit will minimize that risk of loss by limiting the amount of credit they will extend. If Orchard and Capital One are limiting you, then more than likely there is a reason.
Your better option would be to determine what is hurting your credit rating, and fix that problem. This should be priority over taking on more debt.
2007-03-23 16:07:38 · answer #1 · answered by Wango138 3 · 1⤊ 0⤋
I think an excellent card for you would be the Crown Jewelers card. www.crownjewelers.com EVERYONE is approved and most everyone gets a $1, 500, that's right a $1500 limit. Usually people who apply are approved that very same day or the next day. I got approved overnight and got a 1500 credit limit. Make sure to check your email spam folder in case you don't see their approval email. I highly recommend NOT to use a hotmail email address with them but a gmail or yahoo.com addy. Crown Jewelers doesn't do a credit check and doesn't even check your work number or any other info. They help you rebuild your credit by reporting to the 3 credit Bureaus every single month.
What you do is, you buy something small like a necklace or earrings for like $39, don't pay in full right away, leave a balance on there for at least a month or so. This way, your CJ account WILL be reported to the credit Bureaus as a $1500 limit with a very small balance. This is VERY good and WILL boost your credit score. Myfico.com has a FREE 30 day trial that will moniter your credit score. Take advantage of this, you will find out exactly what your credit score is and hopefully if you make a purchase BEFORE the month ends (CJ reports to the credit bureaus at the beginning of every month), you will see at least a 20 point boost or even more from opening up this new account with Crown Jewelers. You may not like the small bracelet or earrings you buy, but consider a small investment. $39 for a instant $1,500 credit limit is pretty darn good and will do wonders for your credit. You don't even have to buy anything more from them (although buying 1 thing a year would be good to keep the card active) and they will STILL report to the 3 major credit bureaus that you have that big $1500 credit line. I know someone who has had their CJ card for 2 years, she bought one item and they are STILL reporting which has helped her credit score and record alot.
If you decide to keep using the CJ card, PAY ON TIME every single month! NEVER be late and ALWAYS pay online or send in a payment at the end the month. What this does is cause Crown Jewelers to report your balance as 0 or a low balance anyway after you have paid. If you were to pay at the beginning of the month or middle, your balance that will be reported on your credit score will be much higher. NOT good! This is called utilization. Just remember to pay your credit cards near the end of the month and you will be fine. Good luck and I hope this helps you.
2007-03-23 17:25:33 · answer #2 · answered by candyladynj 1 · 1⤊ 1⤋
"Get a Credit card as you are 18 years old. Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.
* It involves earning cash back on the card, it depends on the amount you spend.
* Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
* The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.
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2007-03-24 01:00:06 · answer #3 · answered by stone m 2 · 1⤊ 1⤋
There is a website that I have listed below, it has a free list of finance companies that issue credit cards to people with bad credit. This should help you find what your looking for.
2007-03-23 17:04:51 · answer #4 · answered by Anonymous · 1⤊ 1⤋
Contact any one of agent....
2007-03-23 16:06:24 · answer #5 · answered by preethi r 1 · 1⤊ 1⤋