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Credit Cards for Scores less than 525

Frequent Contributor

Credit Cards for Scores less than 525

Can someone suggest any credit cards for those with really poor credit but trying to rebuild?
 
Thanks.
11 REPLIES
Established Contributor

Re: Credit Cards for Scores less than 525

orchard might give you an unsecured card, if not you will have to shop for some secured cards.  Also, get crown jewlers if you havent already, will help your uti.
"WTB Access Number"
Established Contributor

Re: Credit Cards for Scores less than 525

Credit One Bank or Orchard Bank.
07/26/2007 TU-688
EQ-656
EX-649
Established Member

Re: Credit Cards for Scores less than 525

Bank of America Secured CC $99/$500...

Take very good care of it for 6-9 months. It helps if you have checking/savings with them (at least for me).
Established Contributor

Re: Credit Cards for Scores less than 525

what about capital one they seem like a starter card or Household Bank?
I want to join the 700 club one day I am getting there Smiley Wink
FICOS 12/17/07 EQ-597 EX-651 and TU-651
FICOS 01/18/07 EQ-594 EX-651 and TU-662 FICOS
04/21/2008 TU-680 EQ-613 EX-688
Established Contributor

Re: Credit Cards for Scores less than 525

Avoid Houshold Bank, Capital One might approve you.
07/26/2007 TU-688
EQ-656
EX-649
Senior Contributor

Re: Credit Cards for Scores less than 525

I recommend Capital One. They have decent rebuilder cards with none of those ridiculous fees.
Here we go again...
Established Contributor

Re: Credit Cards for Scores less than 525

cap1 and boa 99/500 would be ideal, but i didnt think they would approve <525 fico.  I would look into them on whogavemecredit.com before wasting an inquiry.  Orchard has a pre-approval site that will do a soft pull, I would definitely try them first because you have a very good chance at getting one.
"WTB Access Number"
Regular Contributor

Re: Credit Cards for Scores less than 525

bofa declined me for a $200 secured and I have a 515 score
TransUnion Experian Equifax
549 500 516 6/2008
TransUnion Experian Equifax
598 530 608 6/2009
TransUnion Experian Equifax
613 602 624 7/2009
Frequent Contributor

Re: Credit Cards for Scores less than 525

Id say WAIT>>>>>>>>>>>> until your score is at least 550 and above at 542 Orchard Bank sent me a preapproval! CL 300 AF39 bucks I took it bc I needed to reesttablish good credit! also I had an old charge off tht i kept in GOOD Standing 24mths till Hospital and job layoff and lost the card! So now itssssssss so much worth it! I got the card in MarchSmiley Tongue Good Luck!!!!!! Be patient
~EveryThing Is Within REach~FICO FORUM roCKs.....