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?
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)
Indigo Mastercard-this used to be the old Rewards 660 Visa but it is now with Meta Bank
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)
9/08 capital one
11/08 capital one
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.
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.