topic Re: Whats easiest Credit Cards to get?? in Credit Cards

Whats easiest Credit Cards to get??

Anonymous — Sat, 26 Apr 2008 18:18:03 GMT

Anyone have any ideas of which cards are the ones people with low 500's should apply for first to get more Credit? I don't want to apply and get declined because of the extra inquiries it would give me. Any luck with either store cards, regular cards, etc? Or should I stick with secured cards for now?

Re: Whats easiest Credit Cards to get??

shyboy — Sat, 26 Apr 2008 18:24:57 GMT

how long did you have the secure card for?

Re: Whats easiest Credit Cards to get??

Anonymous — Sat, 26 Apr 2008 18:26:37 GMT

Crown Jewelers. It's a store card, but it's no credit check. You do have to buy something for it to report. It's a $1500 limit.

You might try the card pre-qualification page at Orchard to see what it offers.
https://www.hsbcapply.com/start/orchardbank?media=O5IS102AAX0802000161HPHHX

A secured card wouldn't hurt. Just read the terms so you don't end up with one with more fees than it's worth.

Re: Whats easiest Credit Cards to get??

Anonymous — Sat, 26 Apr 2008 18:29:22 GMT

I only have one credit card at the moment. Its an Aspen Mastercard with a $550 limit. Its an unsecured card, but comes with some high fees. Does Crown Jewelers charge any fees besides buying something? Thanks!

Re: Whats easiest Credit Cards to get??

cliccmade — Sat, 26 Apr 2008 18:30:37 GMT

Use the search option. This topic has come up a 100 times. It helped me.

Re: Whats easiest Credit Cards to get??

shyboy — Sat, 26 Apr 2008 18:33:59 GMT

Go to whogavemecredit.com and compare, others scores with yours.

Re: Whats easiest Credit Cards to get??

Red1Blue — Sun, 27 Apr 2008 00:13:06 GMT

You should be able to get store cards like Target, Macy's, Dillards. They might start you with low CL of $200-300 and get you going up. You can also try for CreditOne Bank. It is a good starter card.

Re: Whats easiest Credit Cards to get??

Anonymous — Sun, 27 Apr 2008 00:52:43 GMT

@Red1Blue wrote:
You should be able to get store cards like Target, Macy's, Dillards. They might start you with low CL of $200-300 and get you going up. You can also try for CreditOne Bank. It is a good starter card.

I concur. For 500 scores, Credit One isn't so bad. Credit One, Capital One, and HSBC are worth a shot.

Re: Whats easiest Credit Cards to get??

Anonymous — Mon, 28 Apr 2008 18:20:54 GMT

Do the store cards that you mentioned do hard or soft pulls? I checked out the site and it seemed Hooters was a good one to try, but they turned me down...would it be the same for Target, Macy's, etc?

Re: Whats easiest Credit Cards to get??

Anonymous — Mon, 28 Apr 2008 18:31:06 GMT

nicktheman wrote:

Do the store cards that you mentioned do hard or soft pulls? I checked out the site and it seemed Hooters was a good one to try, but they turned me down...would it be the same for Target, Macy's, etc?

All creditors do hard pulls when applying for brand new accounts, with the exception of Crown Jewelers, who do no pull at all, and Spiegel, who (rumor has it) will approve on a soft pull.

Re: Whats easiest Credit Cards to get??

Anonymous — Mon, 28 Apr 2008 19:04:50 GMT

I just tried Spiegel, I will let you know if they do a hard pull. Thanks!

Re: Whats easiest Credit Cards to get??

Anonymous — Sat, 24 May 2008 02:25:30 GMT

nicktheman wrote:
I just tried Spiegel, I will let you know if they do a hard pull. Thanks!

Care to share the outcome?

Re: Whats easiest Credit Cards to get??

Anonymous — Fri, 06 Jun 2008 23:02:28 GMT

It's a soft pull...but I think I want to cancel now...wife wanted it at first...but after search website...never mind...but will keeping this card...open doors for other issued by this bank...

Re: Whats easiest Credit Cards to get??

Anonymous — Fri, 05 Dec 2008 14:54:40 GMT

It was a hard pull on EQ for Spiegal card!

Re: Whats easiest Credit Cards to get??

Anonymous — Fri, 05 Dec 2008 20:04:01 GMT

So much for Macys--I was denied two days ago. I'm still waiting for my letter, although I've never had any dealings with them in the past. I was going to try for Express, but my FICO dropped to 519 thanks to a poorly attempted GEMB/IKEA inquiry.