Unsecured Rebuilding Credit Cards

bear812c · ‎11-10-2013

Anyone know of an easy unsecured credit card to get approved for? Working on rebuilding a friends credit report. He had a baddie with First Premier but it was so old that they are no longer reporting on him. Would it be a bad idea to see if they would reconsider him as a customer again? He did settle for less that full amount at the time. Any advice appreciated on both questions. Thanks!

yudeology101 · ‎11-10-2013

From What I've read, I don't think they hold grudges but YMMV.

Have your friend to go through cardmatch.com and see if any offers pop up.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
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Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)

myjourney · ‎11-10-2013

@bear812c wrote:
Anyone know of an easy unsecured credit card to get approved for? Working on rebuilding a friends credit report. He had a baddie with First Premier but it was so old that they are no longer reporting on him. Would it be a bad idea to see if they would reconsider him as a customer again? He did settle for less that full amount at the time. Any advice appreciated on both questions. Thanks!

Need more info

INQ's, Baddies, AAoA, other loans..I E student, car, home etc etc

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?