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New Member
Thornblade
Posts: 4
Registered: ‎07-28-2007
0

Easiest Store Card To Get?

Hi all...

I just joined here - FICO 621 according to this site.

So, are there any department-type stores or other store cards I could get? Anyone have any information about what credit reporting service they use to calculate the score (Equifax, Experian, etc...)?

I am trying to re-build my credit, and am thinking of getting a secured Orchard and trying for a department store type card. I would like to get something useful...maybe

Sears
Best Buy
Lowe's

...something along those lines. Any suggestions?

Thanks.
Contributor
Jamesus81801
Posts: 133
Registered: ‎07-18-2007
0

Re: Easiest Store Card To Get?

I was approved for a Best Buy card with a $2800 CL almost two years ago, and my credit scores weren't above 600 if I remember correctly, you might want to try them.  Just keep in mind that if you buy something large, to pay careful attention to the fine print and how they allocate payments that you send in...
Contributor
Profit
Posts: 100
Registered: ‎06-14-2007
0

Re: Easiest Store Card To Get?

Check out www.whogavemecredit.com :smileywink:
Valued Contributor
ashabbir1
Posts: 1,084
Registered: ‎06-24-2007
0

Re: Easiest Store Card To Get?

I think target red card is easiest one to get.
Regular Contributor
flyers
Posts: 216
Registered: ‎04-19-2007
0

Re: Easiest Store Card To Get?

Will Best Buy(HSBC) still give a card if you have scores above 660 but they were included in a BK?
New Member
Thornblade
Posts: 4
Registered: ‎07-28-2007
0

Re: Easiest Store Card To Get?

Thanks for the information folks. That website is really interesting and helpful. I'm going to try for the Target card, I think, since it seems easiest to get. I already applied, but I didn't get the instant approval, so we'll see if it actually goes through or not. Maybe I should've waited and gone to the store, since it seems like people have better luck that way, but I'll see how it goes. Any other information people can provide would be very helpful! Thanks!
Contributor
Jamesus81801
Posts: 133
Registered: ‎07-18-2007
0

Re: Easiest Store Card To Get?

[ Edited ]


flyers wrote:
Will Best Buy(HSBC) still give a card if you have scores above 660 but they were included in a BK?



You know, I'm not sure, I haven't had any BK's, check the thread that list BK friendly CC's...

 

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=207

Message Edited by Jamesus81801 on 07-28-2007 12:40 PM



Message Edited by Jamesus81801 on 07-28-2007 12:41 PM
Valued Contributor
ashabbir1
Posts: 1,084
Registered: ‎06-24-2007
0

Re: Easiest Store Card To Get?

Keep me posted.
 
Thanks
 
New Contributor
madriley
Posts: 69
Registered: ‎03-07-2007
0

Re: Easiest Store Card To Get?



ashabbir1 wrote:
I think target red card is easiest one to get.



A couple years ago when my scores were completely trashed (low 500s at best) Target gave me a card with a $300 limit. I think in the 600s you can get most store cards except for Sears. I heard they are hard to get.
New Contributor
creditworthyagain
Posts: 71
Registered: ‎04-29-2007
0

Re: Easiest Store Card To Get?

Sears probably got tired of college students not paying their bills and made it hard for everyone.  I received my first CC from Sears while I was in college in the 80's.

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