What should I do?

[Anonymous]

New here so. Bare with me please. I have a bankruptcy in 2010, student loans on income based repayment,house loan and van payments. I also have a kohls card cl of 300 and lowes cl 2700. I'd really enjoy a "regular" credit card. I get denied for not having already established credit.i have applied for several cards but not sure which because I didn't realize itwas important to keep track. Most recently tho I applied for a credit one before I've started reading up. They said 400 limit...do I take it and charge small and pay or not take it and just wait some more? If I don't take it how do I decline or cancel it correctly? Thanks

[Creditaddict]

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@Anonymous wrote:
New here so. Bare with me please. I have a bankruptcy in 2010, student loans on income based repayment,house loan and van payments. I also have a kohls card cl of 300 and lowes cl 2700. I'd really enjoy a "regular" credit card. I get denied for not having already established credit.i have applied for several cards but not sure which because I didn't realize itwas important to keep track. Most recently tho I applied for a credit one before I've started reading up. They said 400 limit...do I take it and charge small and pay or not take it and just wait some more? If I don't take it how do I decline or cancel it correctly? Thanks

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I would cancel the CreditOne.

Since you already have a relationship with GE for your Lowes card I would apply for another GE Card like Walmart Discover or my favorite PayPal MasterCard.

Have you checked your credit lately? What is your score?

Have you checked the pre-qual on Capital One? I'm sure you could get a card with them that wouldn't cost you monthly, maybe even nothing annually like this Credit One.

[coldnmn]

I would check your credit files from EQ EX and TL on freecreditreport.com to see where you stand for people to better help you. Edit I meant annualreport.com

[Anonymous]

How do I cancel it?
Credit karma transunion say 678. Not sure on the others.
I did walmart awhile back and declined.
We on cap one earlier and didn't say pre qualify just here you might like these.

[Creditaddict]

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@Anonymous wrote:
How do I cancel it?
Credit karma transunion say 678. Not sure on the others.
I did walmart awhile back and declined.
We on cap one earlier and didn't say pre qualify just here you might like these.

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Just call them.

you have no lates or anything bad since the bk?

[Anonymous]

I know I paid my kohls a day late a few months ago but that's all I can recall. My iPads not letting me do anything on annualcreditreport.com

[coldnmn]

You may have to call them. To find out how many pulls and goodys and baddys you have on each 

report the govt requires that you get 1 free report per year. This would be a good start on rebuilding. After that go to the rebuilding forum on here they would be in a better position to help you. You will probably have to start out with a secured card.

[coldnmn]

Do a google search for it get the phone numbers and call each one Tu Eq Ex and have them mail them to you. They have more information on paper copy.

[Anonymous]

I called and canceled that credit one with no problems like I've heard. I've posted something over there and so far noones answered. I'll have to go see what I put.