i have terrible credit a civil judgment delonquent credit obligations slow payments been suied twice capitol one once by orchard. you get the picture i became very ill 5 yrs ago when i was no longer able to work better know on ssi for my income i tried my credit out after 5 yrs applying for big bank checking accts. applied for 4 approved for 4. thought i'd try a cc i applied dor a capitol one they approved me before they caught i owed them money i never keep a balance never late i have 2 cards now and they call me a valued customer i tried for months for a hsbc said only secured finally i got my orchard bank 320 credit limit never keep a balance never late my score went down i have a 520 score i really want a big bank rewards visa i have not applied don't want inquiry don't think i'll be approved are there any credit cards besides secured that will approve me possibly. i have such respect for credit cards now never be late if you can't pay they will take almost any amount of money for the balance. crawling out of this credit hole sucks really sucks jenna
Stick with the 2 that you do have and continue to manage them responsibly. Never carry a balance and always pay in full. With a credit score in the low 500s, there really aren't many other options for you since you already have a Cap One card and an Orchard Bank card. Once you get your FICO scores above 650 you'll have more options to choose from, so keep working at building your credit score for now.
