Which card I could get?

[xkaosx]

Wanted to get a credit card secured or not and was wondering which one someone could rec

TransUnion  Experian  Equifax532                    511             539    

Wanted to try rebuilding. Everything negative on my account is mostly over 6 years old and will fall off sometime next year pretty much. I've already got the crown jeweler account as well.

Thanks

[Anonymous]

you could try for the 99/500 from BOA. Check out whogavemecredit.com

[xkaosx]

my bank is actually BoA and I tried getting the $200 secured card and they declined me. is that normal? Is the other offer something different or would I prob get declined for that too?

[Anonymous]

I would suggest trying to credit step your way down the Capital One road.  It is worth a try.

[Bella1980]

you may get Orchard bank partially secured $49 payment or the $200 secured card as well.

[xkaosx]

I applied for the orchard card and they "approved" me for the

Annual Percentage Rate (APR) for Purchases Variable Customary APR: 7.90%1 will apply.

waive first year $39 fee and $200 minimum secured card.

Is this a decent one to have initially?

thanks

[Anonymous]

Not bad.  You have to crawl before you walk and walk before you run.  I would still look at Capital One though.  They have not CraP1'ND me yet. 

[Bella1980]

I would suggest try for Crap 1 and maybe a targetcard. The Orchard bank card I would still take even if you get the other 2 because it will help to build a positive history that won't leave your CR's blank when the baddies drop off.

[Anonymous]

the target seems to be an easy card to get.I was approved for it after going to target and purchasing some items for my daughter totally about 170 bucks. I went to use my cc and the cashier asked I wanted a target card after I scanned my other cc (I think its a preapproval when they do that). 200 bucks but I think that's the norm

[xkaosx]

no luck on crap one