accept credit cards
Question
Bad/No Credit -- Credit Cards?
I'm 20 and trying to get my credit established. I think I MAY have some negatives due to a few hospital bills from last year while I had no insurance but I've heard that doesn't count as much as you'd think. I have applied for credit cards before, but it seems like I just can't find anyone who will accept me. Is there any hope? I don't need a huge credit limit, just something I can use (and pay off each month) to help my credit. Who should I try? Preferably not a secured credit card as I don't have extra cash to put up front!
2 years ago - 9 answers
Best Answer
Chosen by Asker
Those hospital bills may hurt you more than you think they may. Reason I say that is, they still report to your credit, however it may or may not report to all of the agencies, making it harder to spot, which can make it even harder to build credit. So, I would definitely try to take care of those ASAP. As far as trying to find a CC out there, Orchard Bank's probably will be your best option, that's not a secured credit card. And there are some unsecured cards out there (First Premier, New Millenium, Tribute) that cater to people with bad credit. But there's a catch: the cards contain a lot of hidden fees that use up most of the available credit before the card is even sent out, making it a complete rip-off. You're better off with a secured card, because even though you have to put the money upfront as a deposit, at least you get that back at some point in time.
Source(s)
credit analyst/underwriter
by $m¤¤v¥ £¤¢¤
2 years ago
Asker's Rating: 
Other Answers
You could try store credit cards. Most of them use bank finance and it gets you on credit where the others can find you. Some times you can go into a store like Macy's or Sears and they beg you to buy something on their credit card, offering 10% off. Most of them are more interested in selling goods than the interest rates and may open a $300 dollar account on the spot. Also stores even let people pay their bills at the counter.
by Marla- 2 years ago
CREDIT 0NE BANK. L0TS 0F PE0PLE SAY SCAM... N0T F0R ME. im g0in 0n 22 had n00000 credit applied f0r theirs g0t a 200 limit 3 m0nths later i have 0ne with chase f0r 5000. they d0 charge 69 d0llars activati0n n 5.95 a m0nth but it helped me. 0nly reas0n y i cancelled it was fees but it did really help me. i havent checked my credit sc0re but 3 m0nths ag0 chase turned me d0wn al0ng w jcpenney
by amy_b_21_60563- 2 years ago
Orchard Bank is a good choice for getting started, just know that they tend to have substantial annual fees. If you don't want to go that route, the next best option is Department Stores and Gas Stations - it would be high interest, but they're usually more willing to give credit since you can only use it in one place. You said you're 20. Are you in college? If so, student credit cards are much easier to get than standard ones. Many of the larger banks have special student programs (First USA gave me a card when I had absolutely no credit history at all).
by sirpetethegreat- 2 years ago
Hi haha! Umm I got my first credit card here . www ... Just pay all your payments on time and try not to max it out! Even if you dont get approved for it on the spot ..theyre a ptetty gready bank they will later on maybe in a month or two send you an invite:) Good Luck!
by Reaper- 2 years ago
Try this
by O'Brian- 2 years ago
You can get approve for a credit card. You may need to apply for cards for limited credits or bad credits. Capital one are very good for people with limited credit and needs improvement. Continential finance are also good for people with bad credits. bestcreditcardratings ... bestcreditcardratings ...
by love333- 2 years ago
go to www.fastcreditcardapprovals.com and go under poor or no credit section and you will find a card that will get you approve.
by worldpeace- 2 years ago