Are there any credit card companies that will give you credit that is not based upon your credit history?

Question

If there is can someone give me the information that will help me and my family? Just taking a great chance asking I would like to have an unsecure credit card....

Answer 1

Be aware that with a secured credit card for bad credit, your charges are not deducted from the deposit you have with the issuing bank. The bank is simply holding your deposit in the case that you default on your credit card balance. You must pay your monthly payments, and owe the bank the balance that you have charged on the credit card. You cannot refuse to pay simply because the bank is holding a deposit without further damaging your credit.

A second option for getting a credit card for bad credit is to get an unsecured credit card. Unsecured credit cards are available for bad credit clients, however, the issuing banks charge high fees to cover the risk of extending credit to a bad credit client. You can expect to pay anywhere from $200-$350 or more in fees which the bank will keep, you do not get that money back. Those fees are upfront costs for obtaining a unsecured credit card for bad credit. In some cases, the bank will allow you to pay the fees over two or more months.Read more about it at: http://www.credit-card-gallery.com/article/137,Get_The_Best_Deal_On_A_Credit_Card_For_Bad_Credit

Answer 2

There are unsecured credit cards that cater to people with bad credit or no credit history. The limit is not going to be very high - around $500 but they will increase it periodically based on how well you manage the existing line of credit. Best of luck.

Answer 3

There is a source below that has a list of unsecured credit cards for bad credit that you can get approved for.

Answer 4

Stay away from Aspire, it is a supersubprime card loaded with "extremely high" fees.

You might check with your bank or credit union and ask about their secured cards.
Maybe check with Orchard and HSBC, they do check credit but they are for the consumer with bad credit.

All major cards and store cards check credit,
I only know of one store card that does not check your credit. That is Crown Jewelers. They will report, generally a $1500 credit limit, but you have to make a purchase first. It does not matter if your purchase is the least expensive thing (usually around $25 or $30) they will report.

Answer 5

If you mean is there a card issuer that will NOT check your credit history? No, of course not. If you mean are there credit card issuers who will issue cards to people with realy bad credit histories? Yes, but not knowing any details, it's hard to say unless you apply. Try Aspire Cards. They often will give a credit card to someone with bad credit history.

Answer 6

If you have bad credit, you will never get an unsecured credit card.

Answer 7

No everything is all done on Credit Cards

Answer 8

It reduces your quantity of to be had credit score consequently elevating the percent of credit score used. It exhibit at the credit score record as being closed through supplier which isn't well. Both of those shrink your ranking. You must both near the money owed you don't use or be certain you employ them each six months or with the intention to preserve their energetic popularity.