What credit card do I have a chance of getting with bad credit?

my credit score on experian is 524, I am looking for a credit card with low or no initial fees or yearly fees but I can have a high interest rate because I plan on paying it off each month to build up my credit. does anyone know a card that would be most likley to approve me with this criteria? I was pre approved for first premier bank card but with all the fees it ended up being 250 - 300 debt before I would even spend a penny on the card. and thats before eve n knowing the balance. im not looking to go into more debt, Ive been paying off debt I had from 8 years ago, for about a year now on a debt consolidation plan. for some reason it didn't start showing i was paying current till january, even though I have been paying on the card since july. I contested the charges of being late paying and even called my debt consolidation organization to see what they can do about it. my credit score SHOULD NOT BE AS LOW AS IT IS! the reason I want the credit card incase you are wondering, is I have to get a rental car and all rentals require a credit card. also we are short about $200 for our vacation because we didn't budget having to get a rental. we are going to ride down with a friend to san antonio but now she has decided not to take her car. she doesn't have good credit either. about as good as mine. so I cant have her get a rental. this is why I cant get a prepaid card right now, I know they build on credit, I would like to get one, but you have to put money upfront and my money is going to be tight until half way through our vacation on the third when my hubbie gets paid. then well have more than enough to pay off the the credit card dont want to be condsidering pawning or payday loans because the interest is so high even when you pay on time unlike a credit card and for any one who wants to be captain obvious and say shouldn't of had bad credit to begin with and you wouldn't be i this mess...you are preaching to the choir. i ought to have know better but have since learned my lesson and am diffinalty paying for it for an entire year now I have been paying 400 a month toward old credit card. whats your smart butt remark compared to that? wow, I said alot, hope this explains everything. only looking for credit card solutions at this point, if you dont have3 any, dont answer. thanks lol, im not a dude, I realized im on his account, but im a girl. rolf

5 months ago - 5 answers