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Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: Is there really a credit card that guarantees approval?

I know 2 credit unions here in my city that guarantee secured cards with no credit check and they still report as well. BUT to increase the CL by adding money they SP you.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
New Contributor
baronofthenorth
Posts: 72
Registered: ‎03-19-2011
0

Re: Is there really a credit card that guarantees approval?

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Valued Contributor
j_casteel
Posts: 1,918
Registered: ‎06-21-2012
0

Re: Is there really a credit card that guarantees approval?


baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
2NE1
Posts: 1,002
Registered: ‎12-06-2011
0

Re: Is there really a credit card that guarantees approval?


tboy1977 wrote:

But at what cost with Open Sky?  BofA sucks......still no letter of denial from BankofAmerica


The annual fee is $50... but it reports to all 3 credit bureus.

 


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Valued Member
OptimalFICO
Posts: 203
Registered: ‎07-05-2009
0

Re: Is there really a credit card that guarantees approval?

Digital Federal Credit Union (DCU) has a secured card that reports to all three CRAs with no AF!

https://www.dcu.org/prodserv/ccards/visa-secured.html

 

Before applying, you must first join DCU by opening a share (savings) account. You must qualify to join DCU, but you can do so by donating/"joining" a partner non-profit for a very small amount. Or maybe you could call and ask if they would process your application first.

Senior Contributor
jsucool76
Posts: 3,794
Registered: ‎12-11-2011
0

Re: Is there really a credit card that guarantees approval?

I got denied for the capital one secured card, that one hurt. Lol. Then a few months later they approved me for a $3,000 CL and the only thing that changed on my report was more inquiries. Lol.
;
New Contributor
baronofthenorth
Posts: 72
Registered: ‎03-19-2011
0

Re: Is there really a credit card that guarantees approval?


j_casteel wrote:

baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?


Multiple reasons at the time.  Too few accounts, past baddies, thin file (short credit history).  2nd time was more of the same, but with a longer history and maybe 1 baddie (4+ years old) at the time.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
New Member
Chriss
Posts: 5
Registered: ‎06-19-2012
0

Re: Is there really a credit card that guarantees approval?

Old friend of mine got approved for a first premier card with at least a dozen collections this is all comes with high fees but its something

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