Immediate credit card care service
I have no credit history and I'm trying to build my credit. I keep applying to different credit cards and they all keep denying me. I also tried for a secured credit card from Bank of America and they also denied me. What can I do to start building my credit and have all three credit scores show on my credit report?
The reasons for denials can be numerous. They vary from incomplete information in your application to insufficient credit file, to your ability to repay credit, etc. Therefore, it is difficult to offer you a credit card and say for sure that you’ll be approved. The only credit cards, which usually offer a guaranteed approval, are secured cards. They don’t require an income information and credit record check.
To be approved for a secured credit card, you’ll need to have a valid US address, be at least 18 years old, and have a SSN. Moreover, you’ll need to make a money deposit (at least $300) that will serve as collateral and will be equal to your credit limit.
We offer you to consider and try secured credit cards featured here. They come with attractive options and report to the major credit bureaus (Experian, Equifax, TransUnion) monthly. If you make payments on time and keep your card balance below your spending limit, you may establish a positive credit score. Good luck!
If my credit score is 624 or more what would you consider it fair or good and what is the best card and how much will the limit be?
Your credit score means that you have fair credit history (620-659 FICO points) and can qualify for cards designed especially for people with fair or average credit. We offer you to consider the American DreamCardTM MasterCard® Sweepstakes card from HSBC Bank Nevada. N.A. It comes with a 20-day grace period, a reasonable interest rate on purchases and offers you a great opportunity to become a lottery winner. Besides, this card may help you to improve your credit history.
As for credit limit, it is difficult to say for sure what your card spending limit will be. Before the bank sets you a limit, it will consider various factors ranging from your ability to repay debt to your credit records. Generally, cards for fair credit offer a credit limit of $3,000-$5,000.
WHY IS IT SO HARD FOR ME TO GET ANY TYPE OF CREDIT CARD?
It is difficult to say for sure why it is hard for you to get a credit card because reasons for rejection can be different. They vary from lack of borrowing experience to incomplete information in your card application, to your ability to repay the debt.
The most common reason is insufficient credit file. Also, you can be denied when applying for the card that doesn’t correspond to your score. Therefore, each time you need a new card, it is advisable to check your credit report and FICO score before applying. Once you know your score, you can choose and apply for the card that corresponds to it.
As it isn’t clear from your question what type of credit you have, we may only suppose that your credit history is fair or bad.
A secured credit card can be a perfect deal for you if you have a low score rating. It reports to the major credit bureaus monthly so you may establish credit or restore your bad credit history faster. When applying for a secured card, in most cases you can be approved regardless of your credit score and income. In order to be approved, you will need to make at least a minimum money deposit ($300) as collateral, be a resident of the US and have a SSN.
We offer you to consider the Secured Visa® Credit Card from Applied Bank that offers a low fixed APR on purchases and has no set up fee. Or, you can apply for the Secured Black Card from Public Savings Bank that comes with no annual fee, a 25-day grace period and 0% introductory APR on purchases.
If your credit is fair, you can try the American DreamCardTM MasterCard® Sweepstakes card from HSBC Bank Nevada. N.A. Intended for people with fair-to-good credit, it comes with a reasonable interest rate, a 20-day grace period, and offers a great opportunity to earn entries from daily shopping.
So, check your credit score, make the right card choice and apply online.
Want a gas credit card to help re-establish decent credit. Scores are low now, and needed way to show track of payments over time. Am I thinking accurately that this could be ONE step of many to build credit worthiness?
Unfortunately, gas credit cards are intended mostly for people with good-to-excellent credit history. If you want to get a gas card, you need to improve your credit score in order to qualify. We offer you to consider the best secured credit cards. They may help you to re-establish your credit because they report to the major credit bureaus (Experian, TransUnion and Equifax) every month. However, to be a success, you’ll need to make payments on time, and stay within your spending limit.
By making a money collateral deposit (as minimum as $300), you can be approved for a secured card regardless of your credit history and income. In other respects, secured cards work just like unsecured ones and offer you a good opportunity to restore your credit and be eligible for gas credit cards.
Feel free to compare the most popular secured credit cards featured here and apply for the most suitable one.
I am looking for a credit card with a $3000.00 limit. Is there any out there that I could qualify for?
The amount of your credit limit depends on various factors, including your income, your payment history as well as credit standards of a bank. Therefore it’s difficult for us to say for sure which credit card can give you a $3,000 credit limit as this depends on your particular situation.
To qualify for a credit card with $3,000, you need to have at least an average (fair) credit history (620-659 FICO points). If your credit score is fair, you may apply for the American DreamCard™ MasterCard® Sweepstakes from HSBC.
If you have good-to-excellent credit, then consider the Discover® Card More® Card - American Flag that offers a credit limit of up to $50,000.
The Secured Black Card from Public Savings Bank is designed for people with bad or no credit and offers a credit limit of $25,000. When applying for this secured card, you’ll need to make a money collateral deposit in order to be approved.
Before you apply for a credit card, check your credit score to be sure you qualify for this deal. Otherwise, you can get a denial.
Just filed for bankruptcy. I need to get a credit card, that best suits my needs.
If you filed for bankruptcy, a secured credit card can be a perfect deal for you. When applying for a secured card, you can be approved regardless of your credit history and income. Secured cards report to major credit bureaus thus enabling you to restore your credit history if you keep your balance below the credit limit and make your credit payments punctually.
To be approved for a secured card, you’ll need to make a money collateral deposit (minimally $200-300) and be a resident of the US with a Social Security Number (SSN).
Feel free to consider the following secured credit cards:
The Secured Visa® Credit Card from Applied Bank allows you to choose your credit limit up to $5,000. This card has a low fixed APR on purchases that will not change even if you make your payment later, no set up fee, and a moderate annual fee.
The Secured Black Card from Public Savings Bank comes with such alluring features as a 25-day grace period, no annual fee and even 0% Intro APR on purchases for 6 months.
The UltraVX Visa® card from MetaBank offers the Clear Rewards feature. So you may not only restore your credit history but earn travel rewards.
Compare the most popular secured cards featured here to make the right choice.
What is the difference in a secured credit card and one that is not. I am looking for one with $ 12,000.00 credit limit
Secured credit cards are designed for people with bad or no credit. To be approved for a secured credit card, you need to make at least a minimum cash collateral deposit ($300) that will be equal to your credit limit. In case you fail to repay your credit due to some reasons, a bank will use your deposit to pay off your debt. When applying for one of the secured cards, you won’t get a denial because they require no credit and income check. These are the only differences. In other respects, secured credit cards work just like unsecured cards.
To get an unsecured credit card with $12,000 credit limit, you need to have a good-to-excellent credit history. If your FICO score is high enough, feel free to consider the best Discover credit cards that offer a credit limit of up to 50,000. This doesn’t really mean that you will get a spending limit of $50,000. A bank will take into account various factors from your credit records to your ability to pay off your debt, to its credit standards, before it sets you a credit limit. Generally, the better your credit score, the higher your credit limit.
If your credit history is less than average, you can apply for a secured credit card. If used properly, it will help you to improve your credit and become eligible for unsecured cards with high credit limits and other alluring options. We offer you to apply for the Secured Visa® Credit Card from Applied Bank that comes a low fixed APR on purchases, a moderate annual fee, and a credit bureau reporting feature.
I have bad credit. I am looking for a credit card that can fix me ok. My credit is really bad.
If you have bad credit, a secured credit card can be a good option for you. Secured cards are intended specifically for people with less than average credit and that’s why come with a credit bureau reporting feature. By making your card payments on time and keeping your balance below your credit limit, you will establish or restore your credit history.
To be approved for a secured card, you’ll need to make a cash collateral deposit ($300 - $10,000), be a resident of the US at least 18 years old and have a social security number.
Generally, secured cards don’t require an income or credit record check so you have all the chances to be approved even if you have a low score.
Take your time to compare the most popular cards for bad or no credit and choose the one for your special needs:
The Secured Visa® Credit Card from Applied Bank comes with no set up fee, a low fixed APR on purchases, and a moderate annual fee.
The Secured Black Card from Public Savings Bank is a no annual fee with a 25-day grace period and 0% intro APR on purchases for 6 months.
You can also apply for the New Millennium Secured Black Diamond MasterCard®/Visa® card. It offers a reasonable interest rate and provides additional benefits including: emergency cash transfers, auto rental insurance, an extended warranty protection, and more.
Make your choice and apply for the most suitable card online!
I would like to know who has the lowest rate.
You may choose a card with the lowest interest rate depending on your type of credit history. If you have good-to-excellent credit, you may consider the Discover® Card More® Card - American Flag or the Discover® Card More® Card – Clear. They come with 0% APR on purchases and balance transfer for 6 months and the lowest 10.99% ongoing APR. Moreover, they offer no annual fee, a grace period of 25 days and a cash back option.
The ideal lowest rate credit card for bad or no credit is the Secured Visa® Credit Card from Applied Bank. It offers 9.99% fixed APR on purchases that will not change even if you are late with your credit payments, has a moderate annual fee and no set up fee. When applying for this card, you can be approved regardless of your credit score. By keeping well within the spending limit on your card and making your payments on time, you can improve or rebuild your credit history as this card reports to major credit bureaus monthly.
So, if you are looking for a lowest rate credit offer, feel free to apply for a card that corresponds to your FICO score and complies with your current needs.
My credit score is not good but I think it is in the fair range. Does Discover have a card they would issue me with a small limit so I may repair my credit?
You see, Discover credit cards are designed mostly for consumers with good-to-excellent credit history. However, there are Discover card offers intended for students with fair credit. So, if you are a student, you may consider the Discover® Card Student Card-Clear. It comes with no annual fee, a 0%APR on purchases for six months, a grace period of 25 days and offers you the opportunity to get generous Cashback bonuses.
If you are not a student and your credit history is near to good, you may improve it with the American DreamCardTM MasterCard® Sweepstakes from HSBC that offers no annual and set up fee, a grace period of 20 days and comes with reasonable interest rates.
You may also consider the Secured Black Card from Public Savings Bank that can be a good option for you. This card may help you improve your credit history because it comes with a credit bureau reporting feature. What’s more, it offers a 0% APR on new purchases for 6 months, no annual fee and a grace period of 25 days. To be approved for this card, you’ll need to make a money collateral deposit (it may range from $300 to $10,000 or more).
All in all, the cards featured here can be a good option for you because they will help you improve your FICO score and be eligible for the best Discover credit cards.
Before you apply for the card that fits you best, CHECK your credit score to apply for the right credit card and avoid a denial!