03-30-2009 08:18 AM
03-30-2009 08:52 AM - edited 03-30-2009 08:54 AM
"easiest card to get" and "but still a good card" often do not go together.
Basically at certain credit conditions, you must accept what you can get with either secured or bad credit starter cards. Almost always these will later be the cards you hate, are frustrated with and rant on this forum about them, because they charge higher fees, won't increase your limits, etc.
So, it all depends on what your short, mid and long term goals are. Sometimes it is not best to go for the easiest card but to employ a credit strategy that gets you to where you want to go. For example, you could get a secured card with a Credit Union or good bank that will eventually unsecure the card and grow with you. You can also deposit $500 to $1000 with a Credit Union and then take out a loan against it, make payments for 6 months and then apply with the CU for one of their credit cards. It all depends on what you are trying to get to.
However, CapOne, Orchard and others tend to be easier to get with bad credit, but again, don't expect them to do much in CLI and they don't offer any reward type programs for these cards and you will have an AF.