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My dad wants to rebuild his credit but he has horrible credit he just got approved for capital one rebuilder with 300 dollars what other credit cards can he get approved for? Any help please andit he limits don't matter. Or annual fees.
Good for him to get 2 more cards. Limits don't matter. He just needs the tradelines. Can he afford to do the secured card route? Lots of choices there. Any idea what his scores look like?
Agree, credit union even.
Credit union cards rock!
If he's military chances are he can join NFCU and instantly be approved for a rewards card with a $25k limit.
@j_casteel wrote:If he's military chances are he can join NFCU and instantly be approved for a rewards card with a $25k limit.
OK that's a little tongue-in-cheek I think?
what rewards does the NFCU reward card give you? I don't see the terms on their webpage.
@SportBike4Life wrote:what rewards does the NFCU reward card give you? I don't see the terms on their webpage.
Google for NFCU nRewards; however, I think for the entry-level it's the usual 1 point per $1 spend.
The best choice, as others have posted, is a secured credit card, preferably with a credit union to get the best interest rate. Among bank cards, Orchard Bank was good to me while I was rebuilding ($79 AF). Best Buy Reward Zone Mastercard was helpful too, and actually provided rewards, which is unusual in a rebuilder ($59 AF). I'd stay away from Credit One, because they charge daily residuals without a grace period and charge a monthly fee. I'd also avoid First Premier like the plague, because they are just insane with their fees and interest rates.
Avoid Continental Finance. 30% APR, $75 AF, $12 monthly fee and 25 cent per transaction fee. NICE!!
Go to the local credit union and pull a secured card. Build the limit to a nice $2k or better and you'll be good.