Retail cards easy approval

Mistakes · ‎12-15-2011

Anybody know whiich stores/retail cards approve for credit rebuilding?

Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012

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daneatreia · ‎12-15-2011

I just opened a walmart, old navy and amazon and I am in the rebuilding phase. I did them online.

Anonymous · ‎12-15-2011

Hi mistakes,

What revolving accounts do you currently have open? How old are they?

I'm a fan of GE cards - and there's a ton to choose from. Walmart is one, and they offer a TU FICO score updated monthly - which is a super perk. JCPenney is good. Dillards is probably their easiest approval as far as FICO scores go - but only useful if you shop at Dillards (super duper sales and clearances there). Folks will chime in with a lot of others, as well.

Don't overdo the merchant cards - pick one that will be useful to you. You don't need one for FICO scoring purposes, so if you decide to open a merchant card choose from those merchants where you shop and where the card has benefits (i.e. discounts - like Target; or sales or coupons i.e. Kohl's or Macy's).

casmith1980 · ‎12-15-2011

I have the following merchant cards:

Macys - great deals especially around the holidays

Pac Sun - I buy all the kids clothes there so the extra savings certificates are nice

New York & Company - I buy a lot of my work clothes there (minus jeans)

Victoria's Secret - for obvious reasons

Zales - it's the hubby's card because he loves me hahahaha

BestBuy - hubby's card as well, the 0% APR is always nice on large purchases

from my experience, WFNNB is pretty easy on approval as well (but they are INQ sensitive). You can do a search to find out what cards are backed by them.

The only other store cards I intend on applying for eventually are Walmart & Target. I frequent both stores so they would benefit me to have them (especially the TU Fico from Walmart)

Hope this helps!

Filed BK 12/5/14
341 meeting 1/9/15
Anticipated discharge 3/10/15

Goal: 700 by 3/2017

LS2982 · ‎12-15-2011

@Mistakes wrote:
Anybody know whiich stores/retail cards approve for credit rebuilding?

If you have a good/no relationship with GECRB, I think your scores could get you in with JCP, Old Navy, Walmart

EQ FICO 548 3/3/16

Juan123 · ‎12-16-2011

even if you're not going to use it, just to free up some util, i'd apply for the carecredit GEMB card. i believe the minimum they'd give is $1000 and i was approved for it when my score was only 580.

Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750

Take the FICO Fitness Challenge

Long way to go ^_^

NikJ4 · ‎12-21-2011

I am screaming and jumping up and down right now..... I just got approved for following

Old Navy - $200

Banana Republic - $300

Gap- $250

Hallelujah!!!! I am coming out of the land of the dead.

Thank you Jesus!!!!

quest208 · ‎12-21-2011

@NikJ4 wrote:
I am screaming and jumping up and down right now..... I just got approved for following
Old Navy - $200
Banana Republic - $300
Gap- $250

Hallelujah!!!! I am coming out of the land of the dead.
Thank you Jesus!!!!

good for you!! you're invited to join the garden club

TU08 762
NFCU Visa Signature $20,000, Citi Prestige $15,500, USAA Mastercard $11,000, American Express Platinum, Barclays American Express $4700, Best Buy Mastercard $400, Orchard/Capital One $700

NikJ4 · ‎12-21-2011

So what your telling me is to STOP now.... Thank you. I needed an intervention. I am officially in the Garden Club til next Christmas. Santa has been good to mama!!!!

tntexans72 · ‎12-21-2011

@Mistakes wrote:
Anybody know whiich stores/retail cards approve for credit rebuilding?

Agreed with OP....Walmart is the easiest card to get and you get a free fico score from them too! That's a nice bonus if you are looking for a store/retail card. GL.