Sub Prime Credit Cards for Low Score

[Anonymous]

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

[wacdenney]

Capital One is the least terrible of the sub-prime lot IMO.

[juggalo9er]

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@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

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do ydo you know what your scores are?

[jamesdwi]

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@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... 

[Anonymous]

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. 

[Anonymous]

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? 

[juggalo9er]

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)

[jamesdwi]

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@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.