topic Re: zero credit please help in Credit Cards

zero credit please help

Anonymous — Tue, 02 Mar 2010 02:47:29 GMT

ok i need help buliding my credit , i have no credit cards no collection or any thing my credit is all clean other then 1 or 2 inq when i tried to apply for credit card but i got turn down for limited credit , so please can some one help me and tell me which cards should apply which can approve me with no credit so i can start bulding my credit thanks .....

Re: zero credit please help

Raziel77 — Tue, 02 Mar 2010 04:53:20 GMT

you remind me of myself a year ago

apply for a secured credit card as a begining "Orchard secured credit card is nice"

Re: zero credit please help

Anonymous — Tue, 02 Mar 2010 08:28:52 GMT

Consider the bank where you have your checking/savings accounts.

Secured credit cards with any major bank or a credit union should not be a problem.

In addition to Orchard/HSBC, US Bank, Wells Fargo, BofA, Citi. have secured cards.

Capital One has cards for limited credit as well.

Re: zero credit please help

Raziel77 — Tue, 02 Mar 2010 14:02:12 GMT

when I had limited credit, I tried the capital one credit card but got denied

Re: zero credit please help

Anonymous — Tue, 02 Mar 2010 20:43:14 GMT

so for some reason i applied for discover card ....they told me to call them to verify my info ... so i did and got approved for 500$ discvor more card ....i dont think i want a secured card ..so i will just keep the discover for now

Re: zero credit please help

Anonymous — Tue, 02 Mar 2010 21:05:55 GMT

creditneeded wrote:
so for some reason i applied for discover card ....they told me to call them to verify my info ... so i did and got approved for 500$ discvor more card ....i dont think i want a secured card ..so i will just keep the discover for now

A Discover is a very good start, indeed. Congrats!

Re: zero credit please help

Anonymous — Tue, 02 Mar 2010 21:21:38 GMT

You should plan on getting a Visa or MC in the future (6 months?). Should be relatively easy, if you use your Discover responisably.

Re: zero credit please help

Anonymous — Wed, 05 May 2010 05:21:06 GMT

that's awesome congrats. I wish I was able to get approved for a non secured cc besides my 100$ rzmc through best buy.

Re: zero credit please help

Anonymous — Wed, 05 May 2010 12:29:56 GMT

creditneeded, that's a major score for someone with no history...Discover is tough to get, at any credit limit.

Treat that card well. It will definitely grow with you, and it's your key to getting all the others in the future.

Congrats!!