Retail cards for bad credit

[compassion101]

Target seems to be relatively easy to get a $200 CL with. If you ever shop there you get 5%. Obviously you'll need to use it in order to get much benefit from it.

[Anonymous]

Orchard was recently aqquired by Capital One. I have one and it's now shown on my CR as Cap 1. Started with $500. and they automatically bumped me up to $750.00 after 9 months. I also had no interest during that period.

For reporting dates, I called Cap 1 and was told that they report to the CBs within a few days of the statement closing. I'm planning on applying to refinance my car and maybe add a store card to the mix so I hope all of that holds true. That's my plan!

As for store cards, Target or Walmart? I prefer to shop at Target but Walmart offers free credit monitoring service.

[trumpet-205]

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@Anonymous wrote:

Orchard was recently aqquired by Capital One. I have one and it's now shown on my CR as Cap 1. Started with $500. and they automatically bumped me up to $750.00 after 9 months. I also had no interest during that period.

For reporting dates, I called Cap 1 and was told that they report to the CBs within a few days of the statement closing. I'm planning on applying to refinance my car and maybe add a store card to the mix so I hope all of that holds true. That's my plan!

As for store cards, Target or Walmart? I prefer to shop at Target but Walmart offers free credit monitoring service.

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Get the Target Debit Redcard. You will be stuck at low limits if you apply for credit version of Redcard. Walmart only provides FICO score, not credit monitoring service.

[Repo-ed]

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@Seatown1two wrote:

I tried searching for this but couldn't find anything.  I am in the process of rebuilding my credit and was recently approved for the orchard bank gold mc with a CL of $320.  I would like to add a retail card to the mix.  My EQ is 593.  Any suggestions???

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www.whogavemcredit.com