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Regular Contributor
nicktheman
Posts: 124
Registered: ‎03-25-2008
0

Whats easiest Credit Cards to get??

Anyone have any ideas of which cards are the ones people with low 500's should apply for first to get more Credit?  I don't want to apply and get declined because of the extra inquiries it would give me.  Any luck with either store cards, regular cards, etc?  Or should I stick with secured cards for now?
7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Frequent Contributor
shyboy
Posts: 378
Registered: ‎08-01-2007
0

Re: Whats easiest Credit Cards to get??

how long did you have the secure card for?
-------------------------------------------------------------------------------------------------Getting back in the credit game after major setbacks
Regular Contributor
ncblondie
Posts: 111
Registered: ‎10-01-2007
0

Re: Whats easiest Credit Cards to get??

Crown Jewelers. It's a store card, but it's no credit check. You do have to buy something for it to report. It's a $1500 limit.

You might try the card pre-qualification page at Orchard to see what it offers.
https://www.hsbcapply.com/start/orchardbank?media=O5IS102AAX0802000161HPHHX

A secured card wouldn't hurt. Just read the terms so you don't end up with one with more fees than it's worth.
Regular Contributor
nicktheman
Posts: 124
Registered: ‎03-25-2008
0

Re: Whats easiest Credit Cards to get??

I only have one credit card at the moment.  Its an Aspen Mastercard with a $550 limit.  Its an unsecured card, but comes with some high fees.  Does Crown Jewelers charge any fees besides buying something?  Thanks!
7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Contributor
cliccmade
Posts: 90
Registered: ‎03-19-2007
0

Re: Whats easiest Credit Cards to get??

Use the search option. This topic has come up a 100 times. It helped me.
CH 7 filed 2/24/14 TU 572
Discharged date: 6/06/14
$300 UNsecured Capital One Platinum
$500 QuicksilverOne UNsecured Cash Rewards
$250 Fingerhut
Goal 650 by 12/1/2014
Frequent Contributor
shyboy
Posts: 378
Registered: ‎08-01-2007
0

Re: Whats easiest Credit Cards to get??

Go to whogavemecredit.com and compare, others scores with yours.
-------------------------------------------------------------------------------------------------Getting back in the credit game after major setbacks
Super Contributor
concorduser
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Whats easiest Credit Cards to get??

You should be able to get store cards like Target, Macy's, Dillards. They might start you with low CL of $200-300 and get you going up. You can also try for CreditOne Bank. It is a good starter card.
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Whats easiest Credit Cards to get??



concorduser wrote:
You should be able to get store cards like Target, Macy's, Dillards. They might start you with low CL of $200-300 and get you going up. You can also try for CreditOne Bank. It is a good starter card.





I concur. For 500 scores, Credit One isn't so bad. Credit One, Capital One, and HSBC are worth a shot.
Here we go again...
Regular Contributor
nicktheman
Posts: 124
Registered: ‎03-25-2008
0

Re: Whats easiest Credit Cards to get??

Do the store cards that you mentioned do hard or soft pulls?  I checked out the site and it seemed Hooters was a good one to try, but they turned me down...would it be the same for Target, Macy's, etc?
7/23/2009 eq 650 tu 676
7/13/2009 EQ 642 TU 658
6/15/2009 EQ 631 TU 629 EX 623 (Lender Pulled)
2/8/2009 EQ 609 TU 589
10/7/2007 EQ 498 TU 507
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Whats easiest Credit Cards to get??



nicktheman wrote:
Do the store cards that you mentioned do hard or soft pulls?  I checked out the site and it seemed Hooters was a good one to try, but they turned me down...would it be the same for Target, Macy's, etc?


All creditors do hard pulls when applying for brand new accounts, with the exception of Crown Jewelers, who do no pull at all, and Spiegel, who (rumor has it) will approve on a soft pull.

 
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