Easy approval cards to build my credit? - Credit Repair Forum from Creditnet
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  1. #1
    Join Date
    Apr 2011
    Posts
    9

    Easy approval cards to build my credit?

    Hello. I am 23 and my husband is 29. Neither one of us have much credit but I do have some bad credit against me (walmart card and att and us cellular). My husband just doesn't have hardly any credit history. How can we build our credit? What are some credit cards that easy to be approved for?

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  3. #2
    Join Date
    Jan 2008
    Location
    Seattle, WA
    Posts
    3,205

    Re: Easy approval cards to build my credit?

    Check out my answer to your identical post in the main forum :-). If you want to read an article I wrote about how to build credit from scratch, this might help you get started in the right direction: How to Build Credit from Scratch

    Editor's Update: Here are the secured credit cards we recommend, which are known for higher approval rates for limited, poor or no credit: http://www.creditnet.com/credit-card...d-credit-cards
    Last edited by Logan Abbott; 07.07.2013 at 10:09. Reason: Update

  4. #3
    Join Date
    Jan 2008
    Location
    Seattle, WA
    Posts
    3,205

    Re: Easy approval cards to build my credit?

    Hey lovingmom! Did you find my response in the main forum?

  5. #4
    Join Date
    Jul 2010
    Posts
    345

    Re: Easy approval cards to build my credit?

    Another way to build your credit is to have a family member or friend add you as an authorized user to one of their existing credit card accounts. Just make sure the card has at least 2 year old of perfect payment and they are able to maintain a low balance on the card (20% or less of the credit limit). If you don't follow these guidelines, the authorized user account could hurt your score instead of help it. You could also get approved for a secure card or a Capital One or First Premier credit card. Hope this helps! Heather with BoostMyScore.NET

  6. #5
    Join Date
    Jun 2012
    Posts
    29

    Re: Easy approval cards to build my credit?

    Quote Originally Posted by Heather L View Post
    Another way to build your credit is to have a family member or friend add you as an authorized user to one of their existing credit card accounts. Just make sure the card has at least 2 year old of perfect payment and they are able to maintain a low balance on the card (20% or less of the credit limit). If you don't follow these guidelines, the authorized user account could hurt your score instead of help it. You could also get approved for a secure card or a Capital One or First Premier credit card. Hope this helps! Heather with BoostMyScore.NET
    Awesome tips Heather!

  7. #6
    Join Date
    Oct 2012
    Posts
    327

    Re: Easy approval cards to build my credit?

    For past/future forum users interested in building credit, secured cards are the ones you're most likely to be approved of. Here are the ones we endorse as worthwhile (and credit-building) on Creditnet: http://www.creditnet.com/credit-card...d-credit-cards ... But you'll also have good luck walking into your local bank or credit union and explaining your situation, too.
    Visit the Creditnet Blog for more topics and discussion...
    ...And give our credit card offers search tool a try

    Follow Logan Abbott on Google+

  8. #7
    Join Date
    Jun 2013
    Posts
    18

    Re: Easy approval cards to build my credit?

    I find the First PREMIER Bank Credit Card is instant approval credit card you can get immediate reply within 60 seconds after applying online.

  9. #8
    Join Date
    Sep 2013
    Location
    U.S.A
    Posts
    2

    Re: Easy approval cards to build my credit?

    Bank of america has a secured line that you will be approved for certainly! Future lenders will look closely at your relationship with this particular account because of Bank of America's reputation. You can leverage this by utilizing no more than 50% of the credit amount and paying on time for (at the very least) 6 months without fail. This will most certainly broaden your credit options with other lenders.

  10. #9
    Join Date
    Sep 2013
    Location
    Texas
    Posts
    2

    Re: Easy approval cards to build my credit?

    Quote Originally Posted by Heather L View Post
    Another way to build your credit is to have a family member or friend add you as an authorized user to one of their existing credit card accounts. Just make sure the card has at least 2 year old of perfect payment and they are able to maintain a low balance on the card (20% or less of the credit limit). If you don't follow these guidelines, the authorized user account could hurt your score instead of help it. You could also get approved for a secure card or a Capital One or First Premier credit card. Hope this helps! Heather with BoostMyScore.NET
    This would be a great idea to reduce the bad credit to your account..

  11. #10
    $Changers Guest

    Re: Easy approval cards to build my credit?

    It's not a card, but Azuma Leasing for fridges & washer/dryer posts to your Equifax account as an installment account, which diversifies your credit. I saw my score go up a few points when they reported to my report.

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