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What fused111 said.
I recommend you go into the bank, and talk to a CSR. Tell 'em, in your words:
"Hi, I'm looking to improve my credit, and I'm hoping you can help me. I didn't want to apply for a credit card because I don't think I will be approved. My FICO scores are TU 578, EX 573 and EQ 601. I know I probably don't qualify for a card with the bank, but I'm hoping that my good history might help me get issued a card. If not, then could the bank issue me a card secured by money in a savings account. I'm looking down the road a few years when I want to buy a home. I'm hoping you can help me get started."
Hey DUDE, it worked for me and others. He has nothing to lose! Some banks are willing to issue an unsecured card with a small CL with their better accountholders. It sure beats an ultra subprime card with crazy fees and APR.
Noah_Bodie wrote:What fused111 said.
I recommend you go into the bank, and talk to a CSR. Tell 'em, in your words:
"Hi, I'm looking to improve my credit, and I'm hoping you can help me. I didn't want to apply for a credit card because I don't think I will be approved. My FICO scores are TU 578, EX 573 and EQ 601. I know I probably don't qualify for a card with the bank, but I'm hoping that my good history might help me get issued a card. If not, then could the bank issue me a card secured by money in a savings account. I'm looking down the road a few years when I want to buy a home. I'm hoping you can help me get started."
You WA! LOL!
Noah_Bodie wrote:
What fused111 said.
I recommend you go into the bank, and talk to a CSR. Tell 'em, in your words:
"Hi, I'm looking to improve my credit, and I'm hoping you can help me. I didn't want to apply for a credit card because I don't think I will be approved. My FICO scores are TU 578, EX 573 and EQ 601. I know I probably don't qualify for a card with the bank, but I'm hoping that my good history might help me get issued a card. If not, then could the bank issue me a card secured by money in a savings account. I'm looking down the road a few years when I want to buy a home. I'm hoping you can help me get started."