No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I am looking for some advice on which credit card to apply for. I have a Cap 1 secured card and I want to get another card. I am fine with paying the crazy fees and interest just to rebuild for a year or 2. Any advice or experience on what CC is the least terrible?
thanks
Capital One is the least terrible of the sub-prime lot IMO.
@Anonymous wrote:I am looking for some advice on which credit card to apply for. I have a Cap 1 secured card and I want to get another card. I am fine with paying the crazy fees and interest just to rebuild for a year or 2. Any advice or experience on what CC is the least terrible?
thanks
do ydo you know what your scores are?
@Anonymous wrote:I am looking for some advice on which credit card to apply for. I have a Cap 1 secured card and I want to get another card. I am fine with paying the crazy fees and interest just to rebuild for a year or 2. Any advice or experience on what CC is the least terrible?
thanks
CapOne is the best of the rebuilders, if you have had your secured card for 3 months or so, you can try for an unsecured card, if you like shopping at walmart you can go for that card, no AF and frequent CLI's...
myfico for EQ is 520
fako TU- 549 (credit karma) EX- 522
I do have the secured card from cap 1. I was hoping to get 1 more card (either an unsecured card or a store card). I've seen people have good luck with low scores with macys and kohls and vs. I didn't get the pop up for VS in the shopping cart trick... so Idk if that means I will get denied if I just do the full app. I don't have any inquires except the cap1 secured card so i'm not too worried about having 1 or 2 since i won't be applying for anything else after i get this next card for a year or 2. i just wanted to find something that i have a good chance at getting that won't be too horrible with fees. but i know ruining my credit when i was 18 was a mistake and i gotta pay the price.
i got denied for walmart back in 2012. so i wasn't sure about applying with them again. esp with a low score like mine. :-/ but maybe they would be better about it now?
whats utilization on current card.....credit one would probaly approve but its an absolutely horrible card in any regard! maybe first premier, another capone secured, sdfcu secured (its no hp)
@Anonymous wrote:myfico for EQ is 520
fako TU- 549 (credit karma) EX- 522
I do have the secured card from cap 1. I was hoping to get 1 more card (either an unsecured card or a store card). I've seen people have good luck with low scores with macys and kohls and vs. I didn't get the pop up for VS in the shopping cart trick... so Idk if that means I will get denied if I just do the full app. I don't have any inquires except the cap1 secured card so i'm not too worried about having 1 or 2 since i won't be applying for anything else after i get this next card for a year or 2. i just wanted to find something that i have a good chance at getting that won't be too horrible with fees. but i know ruining my credit when i was 18 was a mistake and i gotta pay the price.
if the card has the option for the shopping cart trick, and it doesn't show for you, I would wait the cards are fine, but if waiting 3-6 months means you can save an INQ hit and probably get you a better CL, its worth it to wait. Commentity cards usualy have to wait for 9months before you can get a non auto CLI, check out the GE cards they give frequent CLI's every 4 months, some can graduate, and give you zero percent deals as well.