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OfflineJMcDoogle
A Serious Scholar

Registered: 07/07/09
Posts: 1,495
Loc: Nunavut
Last seen: 3 years, 10 months
Re: Looking for an easy to get credit card.... [Re: shLong]
    #19012558 - 10/22/13 08:33 AM (10 years, 4 months ago)

Amazon has a few different options to go with -

Some have good backers, some not. Make sure you check feedback first.


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The ego is nothing other than the focus of conscious attention.


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Invisiblebadchad
Mad Scientist

Registered: 03/02/05
Posts: 13,373
Re: Looking for an easy to get credit card.... [Re: Prisoner#1]
    #19012587 - 10/22/13 08:42 AM (10 years, 4 months ago)

Quote:

Prisoner#1 said:

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




I think it depends (in part) on how they "pull" your score.  Last time I got a detailed credit report from transunion, there were 48 "credit queries" on there over the past year.  So I called them up with a big "wtf?", and they told me that EVERY TIME I get a "pre-approved" promotional offer in the mail, its because my credit was pulled to give me the pre-approval.  These "promotional inquiries" don't affect your score.

The last time I was car shopping, they performed a "hard pull" (lol) on my credit to get a car.  All three agencies reported error code "08 too many inquiries in the last 12 months", but I still scored above 770 for all three.


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...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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OfflinePatlal
You ask too many questions
Male User Gallery


Registered: 10/09/10
Posts: 44,812
Loc: Ottawa Flag
Last seen: 13 hours, 35 minutes
Re: Looking for an easy to get credit card.... [Re: JMcDoogle]
    #19012596 - 10/22/13 08:45 AM (10 years, 4 months ago)

Remember OP, Bad credit is your financial reputation to the world.

If you intend to get a credit card be responsible with it. Too many kids fuck up their financial future early on because of these cards.


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Offlinefapjack
Title
 User Gallery


Registered: 07/26/07
Posts: 16,574
Loc: Central New Jersey
Last seen: 3 years, 11 months
Re: Looking for an easy to get credit card.... [Re: Prisoner#1]
    #19012738 - 10/22/13 09:29 AM (10 years, 4 months ago)

Quote:

Prisoner#1 said:
Orchard Bank




Worst company I've ever dealt with, though I didn't send them any money after maxing out their $200 limit (charged me $100 just to get the card.)  Credit cards suck, try living within your means and you will have a lot less issues.


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InvisibleshLong
Male User Gallery


Registered: 03/04/10
Posts: 25,330
Loc: 'sconsin Flag
Re: Looking for an easy to get credit card.... [Re: fapjack]
    #19012981 - 10/22/13 10:38 AM (10 years, 4 months ago)

Quote:

Patlal said:
Remember OP, Bad credit is your financial reputation to the world.

If you intend to get a credit card be responsible with it. Too many kids fuck up their financial future early on because of these cards.



Quote:

fapjack said:
Quote:

Prisoner#1 said:
Orchard Bank




Worst company I've ever dealt with, though I didn't send them any money after maxing out their $200 limit (charged me $100 just to get the card.)  Credit cards suck, try living within your means and you will have a lot less issues.




You read the OP, right?
#1, I'm no kid, I'm in my 30s
#2 I live within my means. I'd like to be able to go and just buy a car one day without bullshit.
Credit cards are a "free" way to build credit rather than taking out personal loans and having to pay interest and shit.


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OfflineHerbologist
Grrratata
I'm a teapot


Registered: 05/09/10
Posts: 7,471
Loc: Casa Bonita Flag
Last seen: 3 years, 2 months
Re: Looking for an easy to get credit card.... [Re: shLong]
    #19012998 - 10/22/13 10:43 AM (10 years, 4 months ago)

I just got one through chase bank. its just a freedom card with $500 limit.

pretty good starting card, im happy with it


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Shroomery Law:  Don't piss off the leftist mods & their friends! :banhamster:


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