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Which companies would give you a credit card

New Visitor

Which companies would give you a credit card

 So i'm trying to rebuild my credit and I finally paid off some debt and my score rose but i guess not high enough because I can not get a credit card to help me rebuild my credit.... any sugguestion

Message 1 of 8
7 REPLIES
Valued Contributor

Re: Which companies would give you a credit card


dontaveous wrote:

 So i'm trying to rebuild my credit and I finally paid off some debt and my score rose but i guess not high enough because I can not get a credit card to help me rebuild my credit.... any sugguestion


You will need to give more info then just paying off some debt, such as current fico scores, any baddiies, collections on your report, any current / open positive accounts, judgements, how many inquiries. If you can answer these questions, we can try to help you out.


6/14/15: Equifax 576 Experian 542 Transunion 571
8/17/15: Equifax 626 Experian 619 Transunion 622
9/28/15: Equifax 655 Experian 636 Transunion 641
11/11/15: Equifax 698 Experian 687 Transunion 672
Short Term Goal Score: 720 Across the board


Take the myFICO Fitness Challenge


Are you free Tuesday..?
Message 2 of 8
Valued Contributor

Re: Which companies would give you a credit card

Welcome to our little corner of the web




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>11/2018 CCT EX 801 TU 818 EQ 810
You are only young once, but you can be immature forever
Message 3 of 8
Established Contributor

Re: Which companies would give you a credit card

Start here:

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/bd-p/rebuildingcredit

 

Welcome, good luck, and be sure to ask plenty of questions.

Over $192,000 in credit across 12 cards.

FICO ranges from 787 -820 as of 03/12/2018
Message 4 of 8
Senior Contributor

Re: Which companies would give you a credit card

Would need to have more info about your profile and scores to give you any good advice .
Message 5 of 8
Contributor

Re: Which companies would give you a credit card

Even if your credit profile is too poor to qualify for a subprime card, you can still get a secured card without an AF i.e. Cap1, Citi, Discover, and I think BoA.  IMO a secured card would be more worthwhile than a store card because you would build a relationship with a major bank and secured cards can be graduated to regular CCs provided you always pay on time and in full.

Message 6 of 8
Valued Member

Re: Which companies would give you a credit card

First Premier Bank gave me a credit card a week after my bankruptcy discharged. Awful, shady, slimy unsecured card with tons of fees, but the one positive is that they gave me a card when no one else would even give me a secured card. After 6 months of payments, I got a no annual fee card at my local credit union and cancelled this foul smelling card.

Message 7 of 8
Community Leader
Super Contributor

Re: Which companies would give you a credit card


dontaveous wrote:

 So i'm trying to rebuild my credit and I finally paid off some debt and my score rose but i guess not high enough because I can not get a credit card to help me rebuild my credit.... any sugguestion


Most obvious question, aside from scores, is who has turned you down?

Most Recent FICO 8 Scores EX616/TU587/EQ607 01/09/2018 Starting scores 553/485/543 08/25//2017
~~~Credit lines~~~~
SDFCU VISA Secured $250
Discover Secured $200
Message 8 of 8