What's the easiest retail card....

Discussion in 'Credit Talk' started by texastrini, Aug 10, 2001.

  1. texastrini

    texastrini Well-Known Member

    What is the easiet retail card to get?

    I need to add a retail trade line.

    Fico around 615-630.
  2. Dani

    Dani Well-Known Member

    Just reading posts from the board Target, Radio Shack, and Macy's are all pretty easy to get. Personally, I got a May's Department Store card(Hechts, Lord & Taylor, Strawbridge) with only eight months of credit history and two major credit cards (back in 97). Good luck.

  3. sam

    sam Well-Known Member

    target should approve you instantly online with that score. I was about 610 when i got mine.
  4. texastrini

    texastrini Well-Known Member

    Sam: Did you have any derog"s
  5. Shirley

    Shirley Well-Known Member

    My sister never had a cc in her life and all three of her reports were 100% blank.

    She was approved instantly for a Capital One Kmart card which is also a Mastercard with a $300 limit ($300 for Kmart purchases/$200 for regular Mastercard purchases)

    My Equifax has only one item on it: an old collection account that's nearing 7 years old, Experian has 2 inactives since the early '90s accounts and the derog above; and my TU has that same derog plus a 5 year old 30 day late on a car.

    I got approved instantly for Kmart Mastercard and Target ($300) about two weeks ago.
  6. Mirage

    Mirage Well-Known Member

    I applied for Target with a Beaon of 650 with a bk-13.

    Approved for a $300 cl

    Best regards,

    The other Sam
  7. roni

    roni Well-Known Member

    Victoria Secrets
    Home Depot
  8. AJiLE

    AJiLE Well-Known Member

    Well, with my last Equifax score of 573, I just got approved online (200 CL). I guess it's not all bad.

    A. J. :)
  9. NanaC

    NanaC Well-Known Member

    Do not go Home Depot with a BK!
  10. Sue

    Sue New Member

    Does anyone know which report Target pulls?
  11. author_22

    author_22 Well-Known Member

    Will any of these retailers give me a card without a current credit card and a few old overdue bills? Or should I wait until I get better established?
  12. texastrini

    texastrini Well-Known Member

    Thanks Y'all.

    Just approved for the following:

    Taget ==$200 cl
    Kmart MC==$200 instant CL for online shopping
    ($4 p/m membership fee and CL info will come in the mail)

    Is the membership fee standard?

    (I did not want to waste the inquiry)
  13. author_22

    author_22 Well-Known Member


    Did you have any current derogs or overdues when you got approved?

  14. sam

    sam Well-Known Member

    you know that bluelight.com just fired all their folks and is shutting down the online site??

  15. staces5

    staces5 Well-Known Member

    Who does Kmart m/c pull for credit??
  16. AJiLE

    AJiLE Well-Known Member

    Quite a few actually (not current, but unpaid past due collections) and one unpaid judgement. I'm not sure which report they pulled (won't find out until I get my disputes back), but I believe they pulled Equifax. My credit is FAR from stellar, which I guess is one reason I'm quite surprised I got approved. But, as long as they report, now I've got another positive trade-line to my benefit (in 6-12 months at least).

    A. J.

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