Wanting secured credit card but no credit history

[Anonymous]

I've recently gotten my credit report clear of  baddies(all medical bills), the only problem is there is nothing there no good no bad just a few inquiry. I applied for boa secured credit card thinking they would accept but no. Now I'm back to square one again. I have no score since I have no credit history. My question is: Is there a secured card out there I CAN get and be approved with my situation. Thanks

[tattooedhusker]

There are a couple that you can get, but be aware that they will more than likely have an AF. Try OpenSky or Capital One

[IWOL]

Since you have no history you probbaly want to find a secured card that  does not require a hard pull or a score upon applying.

I dont know much about Open Sky but I beleive State Department Federal Credit union offers a secured card with no hard pull and it has the best rate I have seen at 6.99%.

Im not sure what the minimum deposit is and you have to join the CU to applly for the card. I dont have the card but when I was researching secured cards that one seemed to be one of the best secured products out there. I think they even offer reward points with their secured card. Just google SDFCU and you can find more info on them.

Wish i knew about this card when I needed a secured card.. Hope it helps you out.

[Anonymous]

Thanks guys i'll check those out

[Ravensfan2001]

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@IWOL wrote:

Since you have no history you probbaly want to find a secured card that  does not require a hard pull or a score upon applying.

I dont know much about Open Sky but I beleive State Department Federal Credit union offers a secured card with no hard pull and it has the best rate I have seen at 6.99%.

Im not sure what the minimum deposit is and you have to join the CU to applly for the card. I dont have the card but when I was researching secured cards that one seemed to be one of the best secured products out there. I think they even offer reward points with their secured card. Just google SDFCU and you can find more info on them.

Wish i knew about this card when I needed a secured card.. Hope it helps you out.

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I have the State Department FCU secured Visa. Anybody can open a savings with them. Once you have that, call the loan department to open a secured card. If you apply for the card online, it's a hard pull. Everything IWOL said is correct - no AF, 6.99%, and rewards. Not sure of the minimum, but I opened mine with $500 five months ago. I love this card! Good luck!

*edit: They also report to all 3 CRAs as a secured card, FYI.