Well, I called to see about the credit criteria for a credit card through this company. They deal with women's clothes and are affiliated with Willow Ridge. They said that they pull equifax and issue credit from $100 - $500. They require a 550 or above. It's not much of a credit line but maybe it will be easy to get started with a credit card and to build up. Just thought I would let you guys know. Their website is http://www.bedfordfair.com. Once I get my husband's files merged for the 2nd time, I will have him apply for this since I buy clothes from the catalog occasionally anyway. Hope this helps someone.