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Contributor
superdad
Posts: 97
Registered: ‎05-19-2013

Cant get a secured card!!

I am not sure what to do, I had a cap1 secured card but ended up in the hospital for a few months and they closed the account.  I dont owe Cap 1 any money.  I talked to them on the phone and said i should apply for a quick silver 1 reward. Which i did but was declined.  GRRRR  I know my CS is around 540 across the board.  Not sure what i can do?  I am worknig on getting the last very small 7 collection accounts paid off but i have NO CC's.  What else can i do to get some sort of CC or?  I want to buy a house in the next year. But my credit profile shows i have NO credit besides bad. The morgage guy i talked to said i should get a couple secured CC's but no one will accpet me.  HELP!!!

Valued Contributor
baller4life
Posts: 2,545
Registered: ‎09-13-2013

Re: Cant get a secured card!!

SDFCU will give anyone a secured card. No credit check.

GARDENING SINCE: 7/15/14 EQ: N/A EX: 684 TU: 709
MY WALLET: $10k NFCU CASH REWARDS|$10k BOA CASH REWARDS|$7k DISCOVER IT
$5k AMAZON|$5k WALMART|$3k AMEX DELTA SKYMILES|$2500 CHEVRON|$1k BARCLAYS RING
$500 BARCLAYS REWARDS MC
Contributor
superdad
Posts: 97
Registered: ‎05-19-2013

Re: Cant get a secured card!!

Thanks i will look into them also.

Established Contributor
Whitneyy
Posts: 1,075
Registered: ‎12-25-2013

Re: Cant get a secured card!!

You can try out for the fingerhut freshstart program, after you complete it, it becomes a revolving tradeline on your credit report.

My Rebuilding Journal
Current Score (01/28/14) - 555 (Via MyFICO Scorewatch)
No credit score pull until January 2015!
Current Goal, no collections. Only positive tradelines!
Contributor
superdad
Posts: 97
Registered: ‎05-19-2013

Re: Cant get a secured card!!

I was able to get a fingerhut account, problem is theres really nothing i need from them  lol

Established Contributor
Whitneyy
Posts: 1,075
Registered: ‎12-25-2013

Re: Cant get a secured card!!

I felt the same way, but I wanted a revolving tradeline, so I brought a bedroom set on clearance. I feel like you always need new sheets. Just buy something super small so you're upgraded.

My Rebuilding Journal
Current Score (01/28/14) - 555 (Via MyFICO Scorewatch)
No credit score pull until January 2015!
Current Goal, no collections. Only positive tradelines!
Frequent Contributor
tattooedhusker
Posts: 479
Registered: ‎10-25-2012

Re: Cant get a secured card!!

[ Edited ]

You could also look into an OpenSky secured card, they don't run a credit check from what I remember.  That's what kickstarted my credit journey!

NFCU CashRewards $13.5k | AMEX BCE $9.5k | Lowes $17k | Sportsmanss guide $5.5k | Chase Freedom $1k | Discover IT $1.4k |
Walmart $8k | Gordman's $1350 |

Scores: EQ: 676 EX: 714 TU: 720
Valued Contributor
ezdriver
Posts: 1,442
Registered: ‎08-24-2013

Re: Cant get a secured card!!


superdad wrote:

I am not sure what to do, I had a cap1 secured card but ended up in the hospital for a few months and they closed the account.  I dont owe Cap 1 any money.  I talked to them on the phone and said i should apply for a quick silver 1 reward. Which i did but was declined.  GRRRR  I know my CS is around 540 across the board.  Not sure what i can do?  I am worknig on getting the last very small 7 collection accounts paid off but i have NO CC's.  What else can i do to get some sort of CC or?  I want to buy a house in the next year. But my credit profile shows i have NO credit besides bad. The morgage guy i talked to said i should get a couple secured CC's but no one will accpet me.  HELP!!!


You can get two secured credit cards from First Progress Bank with one online app. I did ... for $300 each and they are both reporting to all three credit bureaus.



Starting Score: 618
Scores on 10/9/13: EFX 652, XPN 669, TUC 662
Scores on 3/17/14: EFX 649, XPN 677, TUC 681
Goal Score: 720 ALL


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Member
nycles
Posts: 8
Registered: ‎02-04-2014

Re: Cant get a secured card!!

How long ago did Capital one close your secured card?  The same thing happened to me and I was able to reopen a secured card with cap one a year after the first secured card was closed by them. The first secured card was still showing in my credit report with lates and as payed and zero balance. They payed themselves from the securirty deposit and I did not owe them any money. Capital one is very forgiving and they do not blacklist, at least in my experience. You should try applying for a capital one secured card. The quick silver one card you applied for is not a secured card and it's intended for someone with average credit.  If you can apply for a secured card with capital one, you may have a chance of getting the $49/ for a $200 credit line card approval. Best of luck.

Contributor
polno1234
Posts: 231
Registered: ‎03-22-2014

Re: Cant get a secured card!!

merrick bank secured, free fico score, 17.45% apr, 36.00 annual fee, i was approved with a 488 fico.

Current MERRICK SECURED-$200 EMBLEM MC-$250 EXPRESS NEXT-$350
In the garden till 10/9/14
Fico 8 start 02/15/13 488
Current TU Fico 8 641, EX 734 EQ 740
Goal 650 by 02/15/15

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