topic Re: Close Secured and try for another? in Credit Cards

Close Secured and try for another?

Anonymous — Tue, 23 Feb 2016 21:54:30 GMT

I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?

Re: Close Secured and try for another?

Anonymous — Tue, 23 Feb 2016 23:03:40 GMT

I don't know your entire situation but assuming your secured card was your first closing it might cost you some points because it will mess with your average age of accounts. I would probably just let it sit, when your scores grow a bit apply strategically for new cards. If you have a family member who is a member of Navy Federal you should join also, if someone in your immediate family is on active duty, reserves or retired ask them to join so you can piggy back. I had my dad join (retired) so I could get in and it was the best thing I could do in my rebuilding process.

Re: Close Secured and try for another?

Anonymous — Tue, 23 Feb 2016 23:24:20 GMT

@Anonymous wrote:
I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?

It looks like you have teh QS1 & Platinum cards in your siggy. How old are they if yes? You may experience a minor drop if you close the secured acct but it will stay as a positive TL on your reports for 10yrs so loosing it would not be a big deal in the lonng run.

Re: Close Secured and try for another?

Anonymous — Tue, 23 Feb 2016 23:48:40 GMT

@Anonymous wrote:
I don't know your entire situation but assuming your secured card was your first closing it might cost you some points because it will mess with your average age of accounts. I would probably just let it sit, when your scores grow a bit apply strategically for new cards. If you have a family member who is a member of Navy Federal you should join also, if someone in your immediate family is on active duty, reserves or retired ask them to join so you can piggy back. I had my dad join (retired) so I could get in and it was the best thing I could do in my rebuilding process.

The Secured card is about a year old. I apped for the QS about 3 months later. They're only about 3 months apart.

Re: Close Secured and try for another?

Anonymous — Tue, 23 Feb 2016 23:49:52 GMT

@Anonymous wrote:
@Anonymous wrote:
I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?
It looks like you have teh QS1 & Platinum cards in your siggy. How old are they if yes? You may experience a minor drop if you close the secured acct but it will stay as a positive TL on your reports for 10yrs so loosing it would not be a big deal in the lonng run.

The Platinum card looking one is the secured card. I apped for Plainum some months ago and was denied - too many Captail One accounts - according to Cap 1.
The Secured card is about a year old, the QS card i only about 3 months younger than the Secured one.

Re: Close Secured and try for another?

CH-7-Mission-Accomplished — Tue, 23 Feb 2016 23:52:47 GMT

@Anonymous wrote:
I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?

You want to make sure you have at least three credit cards reporting, so open four before you close one. I would try to get this card closed before you have to pay another annual fee, but not until you have four cards.

You could apply and likely get an unsecured Cap 1 card now, but having the secured with them would prevent you from getting a second card in the same session with the same triple pull. But you could likely get approved for the unsecured with them if you got a secured. Also try Barclay's for their Apple financing or Barclay rewards cards. You can also add one or two store cards (but no more) to get to your three cards open.

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 00:07:16 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?
It looks like you have teh QS1 & Platinum cards in your siggy. How old are they if yes? You may experience a minor drop if you close the secured acct but it will stay as a positive TL on your reports for 10yrs so loosing it would not be a big deal in the lonng run.
The Platinum card looking one is the secured card. I apped for Plainum some months ago and was denied - too many Captail One accounts - according to Cap 1.
The Secured card is about a year old, the QS card i only about 3 months younger than the Secured one.

Okay, to be sure we're talking the same language. I think you have the regular QS and not a QS1, am I correct?

CH-7 makes some valid points. You should go back to the pre-qual site and check what pops up.

In any case your secured card is a dead end card. You can't PC it or upgrade it so you need to dump it.

Look on some of the cards CH-7 suggested and google their name and Pre qualify or pre approval. You should have some luck now that your scores aren't that bad... IF nothing shows up then go back the Cap1 and get the Plat and QS1. The may be sub-prime cards but they grow very quickly and can be upgraded with little to no effort.

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 00:15:34 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?
It looks like you have teh QS1 & Platinum cards in your siggy. How old are they if yes? You may experience a minor drop if you close the secured acct but it will stay as a positive TL on your reports for 10yrs so loosing it would not be a big deal in the lonng run.
The Platinum card looking one is the secured card. I apped for Plainum some months ago and was denied - too many Captail One accounts - according to Cap 1.
The Secured card is about a year old, the QS card i only about 3 months younger than the Secured one.
Okay, to be sure we're talking the same language. I think you have the regular QS and not a QS1, am I correct?

CH-7 makes some valid points. You should go back to the pre-qual site and check what pops up.

In any case your secured card is a dead end card. You can't PC it or upgrade it so you need to dump it.

Look on some of the cards CH-7 suggested and google their name and Pre qualify or pre approval. You should have some luck now that your scores aren't that bad... IF nothing shows up then go back the Cap1 and get the Plat and QS1. The may be sub-prime cards but they grow very quickly and can be upgraded with little to no effort.

So my card just says "QuickSilver" on it. When I go to pay it on the site it says Platinum Mastercard.

The Secured card also says "Platinum Mastercard"

so.. I'm not exactly sure

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 00:22:12 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?
It looks like you have teh QS1 & Platinum cards in your siggy. How old are they if yes? You may experience a minor drop if you close the secured acct but it will stay as a positive TL on your reports for 10yrs so loosing it would not be a big deal in the lonng run.
The Platinum card looking one is the secured card. I apped for Plainum some months ago and was denied - too many Captail One accounts - according to Cap 1.
The Secured card is about a year old, the QS card i only about 3 months younger than the Secured one.
Okay, to be sure we're talking the same language. I think you have the regular QS and not a QS1, am I correct?

CH-7 makes some valid points. You should go back to the pre-qual site and check what pops up.

In any case your secured card is a dead end card. You can't PC it or upgrade it so you need to dump it.

Look on some of the cards CH-7 suggested and google their name and Pre qualify or pre approval. You should have some luck now that your scores aren't that bad... IF nothing shows up then go back the Cap1 and get the Plat and QS1. The may be sub-prime cards but they grow very quickly and can be upgraded with little to no effort.

So my card just says "QuickSilver" on it. When I go to pay it on the site it says Platinum Mastercard.

The Secured card also says "Platinum Mastercard"

so.. I'm not exactly sure

Yep, that is a very weird thing about Cap1. Both of my accts said Platinum so I had to change one nickname (it's one of the acct settings available) so I could keep them straight till I knew the last 4 digits of each card.

If the front of your card says QuickSilver and doesn't have the word "One" underneath it then you have a regular QS card.

At any rate, your question about closing the secured card is a definative yes! But after you bolster your wallet with one or more of the other options that have been offered in this thread.

Re: Close Secured and try for another?

CH-7-Mission-Accomplished — Wed, 24 Feb 2016 00:26:43 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I'm in a bit of a pickle here.

My Capital One secured card is no longer eligable for deposits as Cap 1 removed this program. So I'm forever stuck with this card at a $500 limit.

Do I close this card and try for a different one? If so - which one?

I've recently (like 2 weeks ago) had 4 inquires added to my credit for my auto loan. So I'm not sure if I should let my credit "cool" down for a bit before trying for a Credit card?
Or maybe pay on my auto loan for a few months and let my scores raise?

My scores have yet to update for the zero balances on my credit cards versus the 99% Utilization since the last month. I expect my scores to take a bit of a hop. At least that's the hope.

Any ideas?
It looks like you have teh QS1 & Platinum cards in your siggy. How old are they if yes? You may experience a minor drop if you close the secured acct but it will stay as a positive TL on your reports for 10yrs so loosing it would not be a big deal in the lonng run.
The Platinum card looking one is the secured card. I apped for Plainum some months ago and was denied - too many Captail One accounts - according to Cap 1.
The Secured card is about a year old, the QS card i only about 3 months younger than the Secured one.
Okay, to be sure we're talking the same language. I think you have the regular QS and not a QS1, am I correct?

CH-7 makes some valid points. You should go back to the pre-qual site and check what pops up.

In any case your secured card is a dead end card. You can't PC it or upgrade it so you need to dump it.

Look on some of the cards CH-7 suggested and google their name and Pre qualify or pre approval. You should have some luck now that your scores aren't that bad... IF nothing shows up then go back the Cap1 and get the Plat and QS1. The may be sub-prime cards but they grow very quickly and can be upgraded with little to no effort.

So my card just says "QuickSilver" on it. When I go to pay it on the site it says Platinum Mastercard.

The Secured card also says "Platinum Mastercard"

so.. I'm not exactly sure

Does your Quicksilver have an annual fee? If yes, it is a QS1.

You can only have two Cap 1 starter cards, so if you have a Platinum (secured of unsecured) and a QS1, you are maxed out.

You can have multiple regular Quicksilvers, Ventures and Venture Ones. At least five.

The problem with closing your secured before you have 3 other cards is that once that closure reports, your FICO score will drop (possibly a lot) which will jeopardize you getting the other unsecured cards. It's kind of a Catch-22.

You can apply for the regular Quicksilver now and if approved, apply for another one of their cards. It's the same pull. Or if you apply for a QS1 and you are not eligible, they won't even pull your credit, so maybe start there. Does that make sense?

Apply for QS1. If they say not eligible, they won't pull your credit.

You could then apply for a regular Quicksilver if you want to take the triple pull now.

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 01:10:49 GMT

Ok so just looked at the card and it DOES say One under the word Quick Silver- so that means I have two starter cards correct??? So that means I should apply for a regular QS??

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 01:30:05 GMT

@Anonymous wrote:
Ok so just looked at the card and it DOES say One under the word Quick Silver- so that means I have two starter cards correct??? So that means I should apply for a regular QS??

Great,

Been rplying to so many posts I forget where I am so I may repeat myself.

First I'm assuming they are both in the STEPS program??? If yes then there are a couple of other things you want to do. I beleive all the cards recently released in this category are STEPS ones. AND assuming that no lates or over limit charges have beeen incurred.

You can PC the Plat to a QS after the 2nd statement, you should get a CLI after the 3rd, and 1 at the 6th mth point even after you PC'd the card. It still remains a STEPS qualified card. Do the same with respect to the CLI's on the QS1 (3rd statement and 6th).

After they both hit 6mths old you can combine the the QS1 into the QS and you will have 1 Prime card with the combination of the 2 CL rolled into the card for a larger CL.

Some people are reporting that their older QS1 cards could NOT to be PC'd for many years but others are saying that of late they are finding them to be available all of a sudden. There seems to be some changing over at Cap1 so if yours would not convert before give it a try and maybe keep it up. UncleB reported that he has a 9yr old QS1 that wouldn't convert for the world and just the other day, low and behold they did it.

Re: Close Secured and try for another?

CH-7-Mission-Accomplished — Wed, 24 Feb 2016 01:51:20 GMT

@Anonymous wrote:
@Anonymous wrote:
Ok so just looked at the card and it DOES say One under the word Quick Silver- so that means I have two starter cards correct??? So that means I should apply for a regular QS??
Great,
Been rplying to so many posts I forget where I am so I may repeat myself.

First I'm assuming they are both in the STEPS program??? If yes then there are a couple of other things you want to do. I beleive all the cards recently released in this category are STEPS ones. AND assuming that no lates or over limit charges have beeen incurred.

You can PC the Plat to a QS after the 2nd statement, you should get a CLI after the 3rd, and 1 at the 6th mth point even after you PC'd the card. It still remains a STEPS qualified card. Do the same with respect to the CLI's on the QS1 (3rd statement and 6th).

After they both hit 6mths old you can combine the the QS1 into the QS and you will have 1 Prime card with the combination of the 2 CL rolled into the card for a larger CL.

Some people are reporting that their older QS1 cards could NOT to be PC'd for many years but others are saying that of late they are finding them to be available all of a sudden. There seems to be some changing over at Cap1 so if yours would not convert before give it a try and maybe keep it up. UncleB reported that he has a 9yr old QS1 that wouldn't convert for the world and just the other day, low and behold they did it.

In this case his Platinum is the secured card, so unfortunately, it can't be combined with another card. It also doesn't come with the credit steps program. They do usually give a one time increase though.

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 01:58:58 GMT

@CH-7-Mission-Accomplished wrote:
@Anonymous wrote:
@Anonymous wrote:
Ok so just looked at the card and it DOES say One under the word Quick Silver- so that means I have two starter cards correct??? So that means I should apply for a regular QS??
Great,
Been rplying to so many posts I forget where I am so I may repeat myself.

First I'm assuming they are both in the STEPS program??? If yes then there are a couple of other things you want to do. I beleive all the cards recently released in this category are STEPS ones. AND assuming that no lates or over limit charges have beeen incurred.

You can PC the Plat to a QS after the 2nd statement, you should get a CLI after the 3rd, and 1 at the 6th mth point even after you PC'd the card. It still remains a STEPS qualified card. Do the same with respect to the CLI's on the QS1 (3rd statement and 6th).

After they both hit 6mths old you can combine the the QS1 into the QS and you will have 1 Prime card with the combination of the 2 CL rolled into the card for a larger CL.

Some people are reporting that their older QS1 cards could NOT to be PC'd for many years but others are saying that of late they are finding them to be available all of a sudden. There seems to be some changing over at Cap1 so if yours would not convert before give it a try and maybe keep it up. UncleB reported that he has a 9yr old QS1 that wouldn't convert for the world and just the other day, low and behold they did it.
In this case his Platinum is the secured card, so unfortunately, it can't be combined with another card. It also doesn't come with the credit steps program. They do usually give a one time increase though.

Thanks CH-7,

yeah if it's the secured it's a no where card. BUT since the other one is a QS1 and it's several mnths old you should try to PC it. You can go on live chat or call CS and ask if any offers are available for you. They will tell you wnat options you have. You might app the Plat on the pre-qual site and once you havve it dump the secured. They look to be phasing out the secured ones anyway. You can't PC it and you can't add funds or request a CLI so they are kind of bleh.

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 02:11:41 GMT

@Anonymous wrote:
@CH-7-Mission-Accomplished wrote:
@Anonymous wrote:
@Anonymous wrote:
Ok so just looked at the card and it DOES say One under the word Quick Silver- so that means I have two starter cards correct??? So that means I should apply for a regular QS??
Great,
Been rplying to so many posts I forget where I am so I may repeat myself.

First I'm assuming they are both in the STEPS program??? If yes then there are a couple of other things you want to do. I beleive all the cards recently released in this category are STEPS ones. AND assuming that no lates or over limit charges have beeen incurred.

You can PC the Plat to a QS after the 2nd statement, you should get a CLI after the 3rd, and 1 at the 6th mth point even after you PC'd the card. It still remains a STEPS qualified card. Do the same with respect to the CLI's on the QS1 (3rd statement and 6th).

After they both hit 6mths old you can combine the the QS1 into the QS and you will have 1 Prime card with the combination of the 2 CL rolled into the card for a larger CL.

Some people are reporting that their older QS1 cards could NOT to be PC'd for many years but others are saying that of late they are finding them to be available all of a sudden. There seems to be some changing over at Cap1 so if yours would not convert before give it a try and maybe keep it up. UncleB reported that he has a 9yr old QS1 that wouldn't convert for the world and just the other day, low and behold they did it.
In this case his Platinum is the secured card, so unfortunately, it can't be combined with another card. It also doesn't come with the credit steps program. They do usually give a one time increase though.
Thanks CH-7,
yeah if it's the secured it's a no where card. BUT since the other one is a QS1 and it's several mnths old you should try to PC it. You can go on live chat or call CS and ask if any offers are available for you. They will tell you wnat options you have. You might app the Plat on the pre-qual site and once you havve it dump the secured. They look to be phasing out the secured ones anyway. You can't PC it and you can't add funds or request a CLI so they are kind of bleh.

Why does everyone think I'm a guy, Blegh. LOL

So basically - This is what I should do - just so I'm not fudging anything up.

- See if I can PC the QS1 Card.
- See if I pre-qual any other Cap 1 Cards

- After I have another card or two under my belt, close out the Platinum Secured card? (It originally had a $200 balance and got the one time CLI to $500..)

Am I close?

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 02:22:02 GMT

We are working to provide the best products to our customers and may have options available in the future. Unfortunately, your credit card cannot be converted to any other card at this time. However, at Capital One you can have multiple accounts so you’re welcome to apply for a new card product.

Welp - No converting my QS1 Apparenlty

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 02:26:02 GMT

@Anonymous wrote:
@Anonymous wrote:
@CH-7-Mission-Accomplished wrote:
@Anonymous wrote:
@Anonymous wrote:
Ok so just looked at the card and it DOES say One under the word Quick Silver- so that means I have two starter cards correct??? So that means I should apply for a regular QS??
Great,
Been rplying to so many posts I forget where I am so I may repeat myself.

First I'm assuming they are both in the STEPS program??? If yes then there are a couple of other things you want to do. I beleive all the cards recently released in this category are STEPS ones. AND assuming that no lates or over limit charges have beeen incurred.

You can PC the Plat to a QS after the 2nd statement, you should get a CLI after the 3rd, and 1 at the 6th mth point even after you PC'd the card. It still remains a STEPS qualified card. Do the same with respect to the CLI's on the QS1 (3rd statement and 6th).

After they both hit 6mths old you can combine the the QS1 into the QS and you will have 1 Prime card with the combination of the 2 CL rolled into the card for a larger CL.

Some people are reporting that their older QS1 cards could NOT to be PC'd for many years but others are saying that of late they are finding them to be available all of a sudden. There seems to be some changing over at Cap1 so if yours would not convert before give it a try and maybe keep it up. UncleB reported that he has a 9yr old QS1 that wouldn't convert for the world and just the other day, low and behold they did it.
In this case his Platinum is the secured card, so unfortunately, it can't be combined with another card. It also doesn't come with the credit steps program. They do usually give a one time increase though.
Thanks CH-7,
yeah if it's the secured it's a no where card. BUT since the other one is a QS1 and it's several mnths old you should try to PC it. You can go on live chat or call CS and ask if any offers are available for you. They will tell you wnat options you have. You might app the Plat on the pre-qual site and once you havve it dump the secured. They look to be phasing out the secured ones anyway. You can't PC it and you can't add funds or request a CLI so they are kind of bleh.
Why does everyone think I'm a guy, Blegh. LOL

So basically - This is what I should do - just so I'm not fudging anything up.

- See if I can PC the QS1 Card. Yes, through live chat or call. You may get better results with a live call to a person. You would ask if there are any offers for you. You may need to explain what you are trying to accomplish.
- See if I pre-qual any other Cap 1 Cards Yes, you can handle this on the same call as above.
- After I have another card or two under my belt, close out the Platinum Secured card? (It originally had a $200 balance and got the one time CLI to $500..) Yes, if you will get the CLI. Most are not getting any with the secured cards these days but either way once you have a couple more accts get out of the secured one. The TL will report as a positive TL for 10yrs after you close it so you will have it for AAoA for a long time to come.

Am I close?

Sorry!!! It's not meant to be sexest or paternalistic or misogynistic!

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 02:26:54 GMT

No offense was taken Just being a brat.

Re: Close Secured and try for another?

Anonymous — Wed, 24 Feb 2016 02:27:07 GMT

@Anonymous wrote:
We are working to provide the best products to our customers and may have options available in the future. Unfortunately, your credit card cannot be converted to any other card at this time. However, at Capital One you can have multiple accounts so you’re welcome to apply for a new card product.

Welp - No converting my QS1 Apparenlty

How did you get that message?

Re: Close Secured and try for another?

jeffery581 — Wed, 24 Feb 2016 04:13:49 GMT

Store cards helped me rebuild. Synhrony Bank store cards. Easier to get (for me). Let them help you. Can close later. Try some pre qualifier sites. Post the results and others can give there experiences.