Easy Credit Cards
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Easy To Get In Store Credit Cards
Easy to get in store credit cards are not as widely available as they were before the economic slowdown but they are still available. Beware though! Those with poor credit scores are far more likely to be rejected credit and those who are lucky enough to be accepted will pay a premium. Store credit cards can be in many cases poor value as the interest charged in many case is higher than a normal credit card.
Those looking for easy to get in store credit cards in most cases do indeed have either a poor or bad credit history. Rather than take on more credit and further exposure to damaging further your credit score it would be far more beneficial to start rebuilding you credit history.
A good plan would be to opt for a normal credit card with a small credit limit. Each payment you make would help you to rebuild your credit worthiness'. The longer you kept the card and kept making regular on time payments you would find the lender would be happy to increase your credit limit.
Easy Credit Cards
Another option and perhaps a good alternative to easy to get in store credit cards are catalogues. These offer thousands of products which you can pay for over 20 to sometimes even 100 weeks. Many catalogues are now even available online such as Littlewoods.
No matter what credit option you opt for it is vital that you do not damage your credit history further. Ensure that you only take on credit you know you can afford. If you run into problems and are unable to keep up with regular payments you could damage your credit rating long term.
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what are good/easy credit cards to apply for?
i have a bank of america credit card and i checked my credit recently and it was 711. i was wanting to get another credit card to help my credit because my bank of america one has a $600 limit and im trying to move into an apartment eventually get a car etc. does anyone know of any good ones? i’m 20, but not yet a student until the fall so i cant apply for the student ones.
any store credit cards or other credit cards EASY to get?
I have BAD credit (my parents had bills in my name as a child and the only way to get my credit clear is to sue them) and have heard that credit cards could help me improve it, which stores or other places would give me one?
Easy to get credit cards with no Credit history?
I’ve applied to the discover and citi student cards and still haven’t been approved. Anyone know of a card that’s very easy to get? I’m just trying to build my credit.
What are the easiest credit cards to get and also what are the some store value credit card sthat are easy to?
Stop applying for unsecured credit cards, you will not be approved. You need to establish credit before attempting to get unsecured credit. Make sure the bank reports to the credit bureaus, otherwise it will do no good.
Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 – $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time.
Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months. Lenders like to see a mixture of credit, revolving, installments, personal loans.
After a few months you can try for an unsecured card again. Retail store cards and gas cards are normally easier to get.
It takes 24 months of consistent on time payments to establish good credit history.
What are some easy credit cards to apply for and get approve or after bankruptcy?
I have lots of student loans though.
The answers here depend on your credit history — your score, payment history, negative information, etc. Household Bank is fairly to easy to obtain if you have bad to fair credit. They offer both secured and unsecured credit cards. Be aware, however, that an annual fee may apply and the interest rate could be high, depending on your credit history. Capital One also offers credit cards for fair credit. I would stay away from First Premier Bank — they have four different fees they charge you, and if you have a low credit line, those fees will leave you with very limited purchasing power. There are also secured credit cards available from Citibank, Bank of America, and Wells Fargo.
If you have good to very good credit, look into cards from Citibank, Chase, or American Express. I would recommend Citibank, they offer many cards most of which have no annual fee. They have cash back cards, reward cards, and airline cards — American Airline. You can choose between Master Card or American Express. Citibank has a great reputation.
As far as store cards, I would look at Macy’s. They have great programs and I believe their card is issued by Citibank.
I hope you find this information useful.
None, you will have to start rebuilding your credit rating with secured credit. Make sure the banks report to the credit bureaus, otherwise it does no good.
Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 – $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time.
Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months. Lenders like to see a mixture of credit, revolving, installments, personal loans.
After a few months you can try for an unsecured card again. Retail store cards and gas cards are normally easier to get.
It will take 24 months of consistent on time payments to re-establish your credit rating.