cancel
Showing results for 
Search instead for 
Did you mean: 

Is there really a credit card that guarantees approval?

tag
j_casteel
Valued Contributor

Re: Is there really a credit card that guarantees approval?

I know 2 credit unions here in my city that guarantee secured cards with no credit check and they still report as well. BUT to increase the CL by adding money they SP you.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 11 of 18
baronofthenorth
New Contributor

Re: Is there really a credit card that guarantees approval?

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Message 12 of 18
j_casteel
Valued Contributor

Re: Is there really a credit card that guarantees approval?


@baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 13 of 18
2NE1
Established Contributor

Re: Is there really a credit card that guarantees approval?


@tboy1977 wrote:

But at what cost with Open Sky?  BofA sucks......still no letter of denial from BankofAmerica


The annual fee is $50... but it reports to all 3 credit bureus.

 

Message 14 of 18
OptimalFICO
Valued Member

Re: Is there really a credit card that guarantees approval?

Digital Federal Credit Union (DCU) has a secured card that reports to all three CRAs with no AF!

https://www.dcu.org/prodserv/ccards/visa-secured.html

 

Before applying, you must first join DCU by opening a share (savings) account. You must qualify to join DCU, but you can do so by donating/"joining" a partner non-profit for a very small amount. Or maybe you could call and ask if they would process your application first.

Message 15 of 18
jsucool76
Super Contributor

Re: Is there really a credit card that guarantees approval?

I got denied for the capital one secured card, that one hurt. Lol. Then a few months later they approved me for a $3,000 CL and the only thing that changed on my report was more inquiries. Lol.
Message 16 of 18
baronofthenorth
New Contributor

Re: Is there really a credit card that guarantees approval?


@j_casteel wrote:

@baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?


Multiple reasons at the time.  Too few accounts, past baddies, thin file (short credit history).  2nd time was more of the same, but with a longer history and maybe 1 baddie (4+ years old) at the time.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Message 17 of 18
Anonymous
Not applicable

Re: Is there really a credit card that guarantees approval?

Old friend of mine got approved for a first premier card with at least a dozen collections this is all comes with high fees but its something
Message 18 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.