In need of credit card and was wondering if anyone had any recommendations? I do not have the best credit, which is why I'm here. Waiting for new credit report but last May I was able to finance a new car through Ford credit, though at a higher interest than I would have liked. Do not recall which report they pulled but it seems like the score was 525. Anyone know a card with online approval that I might have a chance at?
Try Capital One. They'll give you a secured card for $99, probably $200 credit limit. After six months, PFB them and they'll raise your limit. They report every 30 days to all 3 CRA's, which will help build good credit as long as you pay on-time. After 12 months, PFB them again, this time ask to get the account unsecured, and another cr line increase. Mr Cooke handles all the PFB letters, he's their consumer advocate, nice guy.
Not sure that I could get one. At one time I did have a CapOne card, but ran into some problems. The long and short of it is, I did get it paid off but not before it ended up with their collection agency academy services. So I really doubt that it would do me any good to apply, at least not at this time.
Try a Secured FCNB... They will give you a secured card w/no membership fee... Plus double or triple you deposit! If you pay them on time or off each month they will unsecure your card between 6 months to a year. Later they will almost give you a Spiegel/Eddie Bauer card! Also... they don't report it as secured!
Do you mean First National Credit Card? They have a $100 dollar Acceptance Fee and a $30 dollar program fee. If this is not the card you are referring to do you have a web address? Thanks
You'd be surprised. As long as you've made good on a past debt with them, they'll give out another card. But like I said, it'll probably be secured. You may even qualify for the $49 secured with a $200 limit, if they're still offering that offer. I've found C1 better than other subprimers because they don't have (w/ secured card at least) application fees, processing fees, monthly participation fees, and their AMF is reasonable, usually $29-$39 dollars.
