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Discussion in 'Credit Talk' started by Jean, Nov 13, 2000.
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Credit One Unsecured Visa®for Rebuilding Credit
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Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
Tough to start with unsecured... maybe a gas card would work...
However, I would suggest to start with Capital One secured. Then the next ones should be unsecured...
RE: Here's a story
Ditto on capitalone secured. If you don't want to spend $99 towards a strong and healthy credit file, you seriously need to think about what you are doing.
Here's what i told my gf to do and she did:
Month 00 - Capitalone $99 - received card,
Month 01 - received macys $200 limit
month 05 - received car loan (new), instant
approved on CITIBANK
received Citibank, requested CREDIT RAISE on MACY's , received $300 increase on macy's
Short-sweet and concise.
$99 investment, nearly 6 months later
she has $500 cap 1, $500 macy's, $1000 citibank, and a new car.
It wasn't that easy when i first started out, I TELL YOU!!
Btw, the following information above assumes a 100% clean credit file, and there were about 10 inquiries at least during last 12 months.
Personally i have found Capital One "Choosy" over it's approval for people with no credit.
If Cap 1 doesn't approve you, open an account with First Consumers you do get a bonus on top of your deposit with them, and they are great about increases.
I applied for NextCard and Aria w/ no credit and was instantly approved online.
Of course, there are other factors to consider, such as income stream and stability (length of time at residence/job) that may play a big role in approval with no credit history.
BTW, my starting lines were $500 for Aria and $700 for NextCard.
Income was 30,500, with 6 yrs at job and 11 yrs. at residence.
wow! Thats good news!
MAcy's A good Start UNsecured
I started out at macy's with an unsecured card . I had no credit at the time . They will give you a 100 credit limit . but in terms of reporting they are great . all three CRA's and thier min payment is 5 so u can't get into anytrouble with that . Providian will follow after 3-4 months and so will DMB . just keep the inquires low . I had a ton when i got my macy's 3 years ago . Give it a shot . If that dosn't work probably secured cards are your best bet.
good luck ..
RE: MAcy's A good Start UNsecu
My wife -- who had no credit history -- started with a Macy's card that she was able to get because she had a Visa check card. In about three months, she received an unsecured LLBean/MBNA Visa, a Victoria's Secret card and a Nordstrom card. None with huge credit limits, but she's building.
Kids,credit cards & foreig
My son will be going to France with a school group & they suggested a credit card for him to use while overseas. Do you have any suggestions where to start with this?