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Jennaaylee wrote:
I am trying to increase my credit score now that I've seen the errors of my ways. I applied for a secured credit card at my bank but they denied me. Isn't there a jewelry credit card that was approving everyone?
I think you're thinking of Crown Jewelers.
There was an online jewlery store that people on here were mentioning a few months back..Is Crown Jewelers the one?
yes crown jewelers.
you apply for orchard bank?
@Creditaddict wrote:yes crown jewelers.
you apply for orchard bank?
Yup, crown jewelers will give you a credit line without a credit check, they report once you buy something, they have some cheap stuff you can buy as a gift for someone if you don't want anything yourself. Also the Orchard Bank Secured card will approve anybody that can send them a check for the minimum amount and there is no annual fee the first year. Interest rate is reasonable. I was happy with my Orchard Secured card, helped me get better stuff six months later once I had established some positive tradelines. You are on the right path.
Last August I was denied for a secured card by my bank as well, in the meantime I got the following cards (from July to December)
Legacy visa
Crown Jewelers
Indigo Mastercard-this used to be the old Rewards 660 Visa but it is now with Meta Bank
Hooters Mastercard
Legacy Visa and Indigo Mastercard has ALOT of fees but it is what I needed to raise my EQ fico score almost 100 points-no joke!
i have been helping a family member who has about 8 CO their fico is up almost 200pts in last 9 month
3/08 orchard secured
7/08 bofa secured(denied 2/08)
8/08 target
9/08 capital one
11/08 capital one
12/08 juniper
Orchard is a great start and i would recommend a bofa secured after you have had it for ~6 months since it grows with you
I have a secured orchard card that unsecured.
@Creditaddict wrote:
I was thinking a regular orchard bank card not the secured since they don't graduate and unsecured unless that is only option, then it's probably a good one.