14 Comments Add your own

• 1. Brittany    December 24th, 2010 at 11:03 pm

  I have bad /fair credit i guess. i wanted to get a credit card to rebuild my credit but i dont want a secure credit card. Whats the best card for me? i was just denied capital one

• 2. ala    February 3rd, 2011 at 1:23 pm

  I have poor creduit recenltly things started to drop off my report, and I switched to Wells Fargo. They offered me a student credit card 2 months after opening my account with them, so I sat down with someone, told her my problems and she helped me apply. I was approved for 700$ (much to my suprise). My credit score is 601.
  So maybe get with a bank that has good student services (if your a student) I was with US BAnk for years and they never offered me ANYTHING.

• 3. jim    February 15th, 2011 at 11:19 am

  I applied for a dillards card 3 scores close to 700 and they denied me….Any comment?

• 4. scout    June 20th, 2011 at 1:56 pm

  im in the army and i cant get approved to save my life and im not doing prepaid or secure. i want a good credit card please some one help me thanks

• 5. Steve Lauzon    July 15th, 2011 at 3:15 pm

  I had no credit when I applied for my first credit card having never needed to borrow but I applied for a credit card with my home bank (Royal Bank) and they approved my for a $3000 credit card because I had money in the bank. My advice to you all is to save some money so the bank sees that you’re responsible and apply for your first card with your bank. The reason for this is that they will see the money you have saved, whereas the credit bureau would not. I used this card on all of my purchases for 6 months, paid them as soon as they posted to my account (before the bill came in, hence the money you saved up before getting the credit card). Then I was able to get approved for whatever card I wanted, and went with the one with the best rewards program I could find (MBNA SmartCash Mastercard).

  I was a student this whole time so my income was below $30 000. Any of you can do this.

• 6. Aaron    July 28th, 2011 at 5:20 pm

  I was 30 years old before I applied for my first credit card. By that time I had already had mortgages on two seperate properties, a car loan on a new car that was paid all the way through, a leased vehicle that had gone through 2 years of payments, and 5 or so unsecured loans for 3-8 thousand each through my bank.
  I wanted to refinance one of my homes and it was suggested to me to get a credit card to help build my credit. I applied to 3 credit card companies: 2 of them denied me and the third one(capital one) authorized me for a $250 balance.
  I thought it would be easy to get several credit cards to help with my credit as I had a pretty extensive, 10 or so year history with significant loans. But credit card companies more so care about your experience with them.
  This was back in march of 2010. Since then, I tried again for more credit cards this year starting about a week ago. I have since been approved for a 12k, 7.5k and 2 1k credit cards. So now I have 5 cards and multiple hits on my credit in the up direction because of them. 6 months from now I plan on refinancing a mortgage.

• 7. Laura    August 22nd, 2011 at 4:28 pm

  I don’t have any credit either. Im only 21 and I don’t really know where to look. I have a cell phone but its not on any contract. I really have no clue where to start looking. JCPenney and Macy’s rejected me. any ideas?

• 8. denise    September 13th, 2011 at 3:46 pm

  I paid off my credit cards completely in 2008,,,,,I have no judgements or outstanding bills,,,yet i recently applied for new credit account and was deined,,,,i was told that closing my accounts hurt my credit score,,,how can this be,,its ridiculious.

• 9. Jeremy    September 20th, 2011 at 4:53 pm

  Capital One they approved me $500 limit unsecured and I have no credit history even after my own bank turned me down and I $10,000 in my savings account w/ monthly deposit going in every month plus I have $50-$300 in checking at all times and never once had an overdraft fee on my checking account plus I work at wal-mart and they turned me down for a store card not to mention Lowe’s and Sears as well…good luck with your credit venture its tough getting one line I been trying for 2 and still no luck

• 10. Angel    November 4th, 2011 at 7:46 pm

  Well to be honest guys my credit score is 677 Transunion 650 Experian & 608 Equifax. and i don’t understand how come I’m unable to get a credit card. I try Orchard bank and got approved for 300 credit line with a deposit of 49 dollar. and 200 with capital one with 19.00 deposit. my advice to you guys is don’t apply for credit card until your know your credit score and always check for Pre-qualification card that wont affect your score

• 11. Emily    November 23rd, 2011 at 1:49 pm

  I applied for a wal mart credit line, they denied me as well, lowes denied me khols denied me twice, discover card denied me, as well as many others, recently, i applied fo a capital one credit, and was apporived for a line of 500 unsecured as well as just got approved for a JCPENNYS card. I hae no credi hstry as well, but i got apporved for these two, keep trying guys, things always look up.

• 12. Amanda    November 25th, 2011 at 5:35 pm

  Just a couple notes…I work for a bank in their credit card division so I have a little insight. First and foremost check your score with all 3 bureaus. If you aren’t in the 600’s you probably shouldn’t be applying for credit cards. Pay off bad debt to increase your score. Keep balances on current loans, revolving accounts, etc. at 50 % or less of your available credit. Your utilization (balance vs credit limits) shows lenders either that you live within your means and have available credit or you don’t and you are maxed out on all accounts. Secondly don’t appy all over the place try one or two companies and if you get denied get a secured card. Applying all over the place just dings your score and looks bad to potential lenders. Your bank is going to be the hardest place to get a credit card. It doesn’t matter how much money you have saved and whether or not you overdraw your account the banks have the strictest credit guidelines. Most important thing is clear negative items by paying bad debt, don’t use more than 50% of available credit on cards, don’t apply for credit more than a few times a year. Hope this helps!

• 13. george    December 27th, 2011 at 10:55 pm

  I became ill several years ago and was bedridden for 2 years. My credit went to hell because I was too sick to deal with anything.

  I’m well now after surgery but the chargeoffs have hurt my credit score. I now have 3 unsecured cards and am making payments & am current … but … NO department store or gasoline credit card will give me a card.

  I had a Shell card in good standing for 3 years until Citibank changed their policy and closed my account because they won’t allow anyone with ANY bad credit to have a card with them.

  Many of the department store cards and gasoline cards are now owned by either Citbank or GE Credit. They are no longer owned by the stores who only allow their name to appear on the cards.

• 14. mike    March 13th, 2012 at 2:53 pm

  I did a home loan modification and it dropped my credit score down to the low 500s .2 years later after busting my ass to rebuild my credit score I am at a 720 credit score. The main thing I’ve learned is just be smart and never Max out your cards if possible don’t go over 35% of the limit always make your payment on time and if you can afford it pay more than the minimum due. Your credit score will get higher and pretty quick if you just play it smart and be responsible. To many credit cards can be very dangerous because its so tempting to use when you have so much credit. Also stay away from sears credit cards they are the most inconsiderate people I have ever dealt with,if you are even a day late one time they will jack your apr up to the Max no exceptions. I was at the hospital with my wife for about 3 weeks and totally forgot about my payment thankfully I remembered but I was 1 day late I told them why I was a day late and offered to show proof so they would know I was being honest and I had never been late on a payment in the 3 years I had been a valued customer lol and all I got was we are so sir but there’s nothing we can do at this time.Amazing. no more sears card for me I payed it off and I will never mess with sears again.

If you'd like, leave a comment below...

Some HTML allowed:
<a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <code> <em> <i> <strike> <strong>

Trackback this post  |  Subscribe to the comments via RSS Feed