here's the deal. i have no revolving accts. cant get a card b/c of credit but i need one to satrt rebuilding, but i do not really have the extra money for a 'secured card' i could do secured if they applied the charges to the card itself. equifax-630 3 paid medical coll. 2 aut loans 'pays as agrees' 1 paid charged off aafes card tu-BAD-score of 568 exp-no score
I'm in a similar situation. I tried lendingtree.com. Have you tried them yet? Unfortunately for me, I only got approved or pre-approved for crappy cards, but maybe you'll have better luck. Some people have had good luck getting Target cards - guest or the visa; search the forums for more info there. (I actually was denied for having too many inquiries - even though I have zero negatives now.)
you could try palpalcreditcard.com . They are run by providian. We got the card a year ago with much crappier credit than you have. There is a $59 annual fee and they suck for credit limits but they did not charge us a monthly fee or those other stupid acceptance fees and the like. I am dumping mine tomorrow because I got a 1500 and 2000 card recently.
maybe you should reconsider a secured card.. sure you have to put some money up but you will get it back eventually. I don;t know whats going on with Capone but they may give a sec card for a deposit from 49-99 dollars... Orchard and Bank of America might be good prospects as well. If building credit is your goal I would suggestjust putting some money away for the purpose. just a friendly suggestion
Maybe you should try Centennial. They have a plan where you have to deposit at least $200, but you can send it in in $25 increments until you reach $200, and then they activate your card. I think I'm going to go with them for a secured. I've done some research on this site, and they seem pretty favorable. Hmmm~
Tnoble...I think based on your scores you will have to suck it up and take one of those secured offers. The most important thing here is rebuilding so if you have to submit a $100, $200 to open an account than do it. It is worth the investment. You have to start somewhere.
Centennial is from Premier. The only thing that stinks(along with the other secured cards offered) is there are fees. Of course, Centennial or Premier seem to have the lowest fees to start right now. There is one problem...if you read the fine print, they reserve the right to deny you a secured card, even though it's your own money. Of course, they can't be decent enough and tell you under what circumstances you would be denied. So even with a secured card your taking a chance at another wasted inquiry.
