Credit Cards with low scores

[Anonymous]

Has anyone had personal experience with a CC company that is helpful towards consumers with low socres    like mid to low 500's        (please don't laugh too had)
    lol jk

[Anonymous]

 Well how low is low from what i know with scores that low would recommened CU secured card to build your credit wish i would have went that route my first card when anyone would approve at all me was a best buy rz mc but a big downfall is that the card has a limit of 320.00 a 79 AF and  really no chance of a cli.but since i have had this card my scores in the last year have went from 540's to 630's . plus some grooming of my CR's if i knew then what i know now i would go with a CU and get a good secured card try local CU's to as long as you get a card that reports to the 3 CB's make your payments and have a low UT you can start to build takes time. 

[Anonymous]

That is helpful,  I applied for an unsecured CC that had a cli of 250 and an af of 175 all billed before CC was issued then found out they report to EXP only so um yeah kind of pointless so I think i will just take my 520 and 490 and wait   thanks for your input

[Anonymous]

yeah orchard and first premier are bad at giving you a cc and the hitting your cc for monster fees etc then you have 25.00 left on you cc these cards can rebuild but a secured card will help you more and give you the satisfaction that if you pay on time or pif every month you should get it unsecured after a period of time and get your secured deposit back much better then 175.00 worth of fees that you never see again

[Anonymous]

Good point I should just bite the bullet and do it anyway, it would help in the long run.  Thanks again

[valarie1]

try applied bank...secured card..$59 annual fee...credit limit is deposit....9.99 apr...appliedbank.com

[Anonymous]

that does sound like a better idea

[mt2va]

Try joining a credit union.  Put some money in an account with them every payday & try for a CC with them.  Credit unions tend to be better about working with people with lower scores.  Also some offere secured cards.  In the meantime work on getting your score up higher. 

[Anonymous]

Since starting working with FICO I have removed a foreclosure and a few accounts and removed other accounts but that leaves me with no credit so I think I should do the credit union thing       I am in Texas, do you have any ideas of good unions locally?

[Anonymous]

 i do not know about CU's in texas if you don't find one locally i would recommend

alliant - downside have to be a member of a orginazation to join Pta membership is the easiest way

nfcu or usaa - downside have to be in or retired from military or a family member that already belongs

i belong to usaa and nfcu hope to get some good TL's in the future as score increases

hope this help a little