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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Looking for an easy to get credit card....
#19012368 - 10/22/13 07:10 AM (10 years, 4 months ago) |
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So, I haven't had a CC for over a decade. I've been more or less cash only for my adult life. I have a debit card thru my checking account, but am looking to get a low line of credit to start building better credit.
I'm wanting a 100 to 200 dollar limit card to throw $20 a month on and pay in full every bill. APR isn't all that important as long as they have a 30 day interest free grace period.
I'm asking because I'd like to know if anybody has any suggestions on a specific offer that's out there. I don't want to apply for several cards and be denied since that would hurt my credit score.
My current credit is on the shitty side, so that's why I'm looking to do this.
Any help would be greatly appreciated.
Thanks in advance, Shroomery
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buest
That



Registered: 11/17/12
Posts: 1,289
Loc: Further
Last seen: 7 years, 2 months
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012374 - 10/22/13 07:14 AM (10 years, 4 months ago) |
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try capitalone, my credit was always shitty, but they not only gave me my first credit card over a decade ago, they just financed my car the other week at a rate that was retardedly low for some reason.
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012378 - 10/22/13 07:15 AM (10 years, 4 months ago) |
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Also, I should mention, I'm not looking for a secured card.
Capital One was the company I had before that I fucked up with... So I'm not sure they'd have me again...
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VivaLaMushie
RIP LS :(



Registered: 07/23/12
Posts: 15,711
Loc: Switzerland
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012381 - 10/22/13 07:16 AM (10 years, 4 months ago) |
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I fucked up w my first capital one card, too lol
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: VivaLaMushie]
#19012386 - 10/22/13 07:19 AM (10 years, 4 months ago) |
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Haha... My friend to friend credit is stellar. I just had a problem paying corporations for some reason.  Looking to be an adult again
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JMcDoogle
A Serious Scholar

Registered: 07/07/09
Posts: 1,495
Loc: Nunavut
Last seen: 3 years, 10 months
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Re: Looking for an easy to get credit card.... [Re: VivaLaMushie]
#19012388 - 10/22/13 07:20 AM (10 years, 4 months ago) |
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Same here, when I was eighteen -
Didnt stop them from financing a brand new motorcycle just a few months ago
--------------------
The ego is nothing other than the focus of conscious attention.
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Prisoner#1
Even Dumber ThanAdvertized!


Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012389 - 10/22/13 07:20 AM (10 years, 4 months ago) |
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Orchard Bank
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: Prisoner#1]
#19012399 - 10/22/13 07:25 AM (10 years, 4 months ago) |
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Orchard, eh? Thanks. I'll look in to that on my lunch break. Thank you
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Prisoner#1
Even Dumber ThanAdvertized!


Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
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Re: Looking for an easy to get credit card.... [Re: shLong] 2
#19012400 - 10/22/13 07:26 AM (10 years, 4 months ago) |
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be advised, dont apply for a bunch of cards, it will drop your credit score
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buest
That



Registered: 11/17/12
Posts: 1,289
Loc: Further
Last seen: 7 years, 2 months
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Re: Looking for an easy to get credit card.... [Re: Prisoner#1]
#19012409 - 10/22/13 07:33 AM (10 years, 4 months ago) |
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Quote:
Prisoner#1 said: be advised, dont apply for a bunch of cards, it will drop your credit score
yeah, i think i applied for a amazon card so i could buy a halloween costume or some shit, i dont even remember, but i think it messed up a potentially money saving autoloan that was in the process of happening. BALLS! oh well, its just money after all!
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: Prisoner#1]
#19012412 - 10/22/13 07:35 AM (10 years, 4 months ago) |
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Quote:
Prisoner#1 said: be advised, dont apply for a bunch of cards, it will drop your credit score
Exactly why I made this post.
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buest
That



Registered: 11/17/12
Posts: 1,289
Loc: Further
Last seen: 7 years, 2 months
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012416 - 10/22/13 07:36 AM (10 years, 4 months ago) |
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Quote:
shLong said:
Quote:
Prisoner#1 said: be advised, dont apply for a bunch of cards, it will drop your credit score
Exactly why I made this post. 
maybe if you get a specialty card it should be fine, like i said, i got declined by amazon, but bustbuy gave me a card straight up.
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: buest]
#19012420 - 10/22/13 07:40 AM (10 years, 4 months ago) |
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Specialty? Like a store CC?
Not really looking for that I don't think. I'd like to be able to put what I want on there (food, gas, etc)
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buest
That



Registered: 11/17/12
Posts: 1,289
Loc: Further
Last seen: 7 years, 2 months
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012421 - 10/22/13 07:41 AM (10 years, 4 months ago) |
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Quote:
shLong said: Specialty? Like a store CC?
Not really looking for that I don't think. I'd like to be able to put what I want on there (food, gas, etc)
oh gotcha, i donno then, but good luck!
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Prisoner#1
Even Dumber ThanAdvertized!


Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
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Re: Looking for an easy to get credit card.... [Re: shLong]
#19012429 - 10/22/13 07:45 AM (10 years, 4 months ago) |
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Quote:
shLong said: Specialty? Like a store CC?
Not really looking for that I don't think. I'd like to be able to put what I want on there (food, gas, etc)
walmart card will allow it, it's a good step toward building credit and the card can be used for gas and food at their stores
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: buest]
#19012433 - 10/22/13 07:47 AM (10 years, 4 months ago) |
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Many thanks, buest.
Didn't think of Wally World. Prefer not shopping there, but whatevs.
I'll try Orchard first and go from there unless somebody links me to a certain offer.
Thanks, all
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Nabuca
Stranger



Registered: 03/21/13
Posts: 306
Loc: Pennsylvania
Last seen: 9 years, 9 months
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Re: Looking for an easy to get credit card.... [Re: buest]
#19012445 - 10/22/13 07:55 AM (10 years, 4 months ago) |
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Orchard Bank cards were a division of HSBC that was targeted at sub prime borrowers. HSBC was sold to Capital One and Orchard is being phased out. Capital One is really the only game in town if you want an unsecured sub prime Visa or Mastercard.
There are others out there, but you'll get hit with insane amounts fees, making it about as bad as a secured card. I would just go and apply to Capital One. They are very forgiving, as long as your bad card wasn't TOO recent. If you get rejected, call the customer service number and appeal. If you explain your circumstances, you can often get a reversal. I would aim for the steps card, which is easy to get and will give automatic credit line increases if you follow the rules it comes with.
If you still can't get a card from them, you might take a shot at a GE backed card. They're store cards, but less strict on requirements and will help build your ratings back up. Lowes and Wal-Mart are good choices here. Wal-Mart cards will let you get Gas, too, if your local Wal-Mart has a gas station. After you have the Wal-Mart card long enough and keep your credit clean, you can try to have it converted to a Wal-Mart Discover card.
Just keep patient. These things don't come overnight, but if you keep at it you can build good credit in a relatively short amount of time.
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badchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
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Re: Looking for an easy to get credit card.... [Re: Nabuca]
#19012469 - 10/22/13 08:06 AM (10 years, 4 months ago) |
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Look for a "starter" card or college student card (if you're eligible).
In my experience, the types of credit checks they do for cards don't really affect your credit score that much.
-------------------- ...the whole experience is (and is as) a profound piece of knowledge. It is an indellible experience; it is forever known. I have known myself in a way I doubt I would have ever occurred except as it did. Smith, P. Bull. Menninger Clinic (1959) 23:20-27; p. 27. ...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely. Osmond, H. Annals, NY Acad Science (1957) 66:418-434; p.436
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Prisoner#1
Even Dumber ThanAdvertized!


Registered: 01/22/03
Posts: 193,665
Loc: Pvt. Pubfag NutSuck
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Re: Looking for an easy to get credit card.... [Re: badchad]
#19012508 - 10/22/13 08:15 AM (10 years, 4 months ago) |
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Quote:
badchad said: Look for a "starter" card or college student card (if you're eligible).
In my experience, the types of credit checks they do for cards don't really affect your credit score that much.
that much... if you apply for and are rejected a dozen times and your score was 600, it'll drop to the 300s, one card wont make much difference, several cards will
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shLong



Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin
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Re: Looking for an easy to get credit card.... [Re: badchad]
#19012532 - 10/22/13 08:22 AM (10 years, 4 months ago) |
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Quote:
Nabuca said: Orchard Bank cards were a division of HSBC that was targeted at sub prime borrowers. HSBC was sold to Capital One and Orchard is being phased out. Capital One is really the only game in town if you want an unsecured sub prime Visa or Mastercard.
There are others out there, but you'll get hit with insane amounts fees, making it about as bad as a secured card. I would just go and apply to Capital One. They are very forgiving, as long as your bad card wasn't TOO recent. If you get rejected, call the customer service number and appeal. If you explain your circumstances, you can often get a reversal. I would aim for the steps card, which is easy to get and will give automatic credit line increases if you follow the rules it comes with.
If you still can't get a card from them, you might take a shot at a GE backed card. They're store cards, but less strict on requirements and will help build your ratings back up. Lowes and Wal-Mart are good choices here. Wal-Mart cards will let you get Gas, too, if your local Wal-Mart has a gas station. After you have the Wal-Mart card long enough and keep your credit clean, you can try to have it converted to a Wal-Mart Discover card.
Just keep patient. These things don't come overnight, but if you keep at it you can build good credit in a relatively short amount of time.
Quote:
badchad said: Look for a "starter" card or college student card (if you're eligible).
In my experience, the types of credit checks they do for cards don't really affect your credit score that much.
Very helpful posts. Thanks you so much
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