Long story short, I received a wage garnishment from hell mid 2018, and forced me into bankruptcy with a 736 credit score. (Ridiculous stuff...long story)
Discharged October 2018.
Denied today for 3 different SECURED cards! Capital one, discover, and citi all declined me. Score shows 581-585.
I have a checking account with Chase. But didn’t see a secured card on their site.
What is crazy to me is I’m getting declined for these $2-300 secured cards but have much greater amounts in the bank and on hand. Just looking for ways to boost my score so I can buy a house in a few years.
Try OpenSky. It's secured, no credit check, reports regularly. There is, I believe, a $35 annual fee, but that's much better than other cards like First Premier and Credit One whose fees are more than a hundred dollars. It's a great card to start with and before you know it you'll be getting approved for better cards, like Capital One's Platinum starter unsecured card (which you can later upgrade to the rewards Quicksilver)
BK7 DC 1/2/2018
Business Credit: Uline Net 30, Quill Net 30, Capital One Spark, BP (Fleetcor) Net 12
Starting Score: 512 Experian Fico 1/7/2018 Current Score: EXP 633 // TU 631 // EQ (unknown) Goal Score: 700+ across the board by 2020