I have no credit and want a credit card but don't want to have to prepay for one. Know of one who'll accept me

Question

I've tried capital one and they didn't approve me. I tried orchard bank and they wanted me to prepay for one. I don't want to do that. Know of one that will approve me and is actually a good card to have. I want a card that has little interest and doesn't jack up the prices just cause I have no credit.

Answer 1

Try going to a jewlery store or apply for capital one they gave me my first credit card and i didnt have credit at the time good luck

Answer 2

you can apply for this credit card, http://www.idbaru.com/creditcard . its made for people like you who have no credit history or bad credit. i wouldn't be able to tell you the kind of limit you would be able to get but its guaranteed to be at least 1500 i think. i was able to get a 2500 dollar credit line myself with my horrrrrible credit.

Answer 3

have you tried department store credit cards. I do know target has a credit card. try them to establish credit. and also look around for student first time credit cards. they are out there if you are a student but you have to shop around goodle them and look carefully. be careful with some of them though.

Answer 4

I had the same problem when I wanted a credit card. What I did was went to Walmart or other chains like that that offered a credit card and applied to them. I got the card used it for 6 months and paid everything off basically as I bought it and then I went back to my bank and was finally approved for a card, then I had cards coming out of my *** and regret ever getting that first one....owing money sucks!

Answer 5

you can get sears or something like that and you charge one item and when you get bill pay it right away do this for 6 mos and you will get good things for this and if you keep it up eventaully your credit will be good. any card you get if you pay the minute you receive it that makes your credit good and if you pay it off evertime you dont' have interest. so remember and dont' over charge that is key.

Answer 6

Start off by getting a department store type credit card like Walmart, Target, Victoria's Secret, etc.  This is how you can build up your credit history and eventually get accepted for a Visa or Mastercard. Takes time but you have to start somewhere and you must pay your bill every month on time.

Sears is a very hard credit card to get. I had the best credit and every credit card you can think of at one point but Sears always turned me down. Never knew why...

Answer 7

The best thing to do is to apply for a credit card at a store like Target or Mervyn's. Buy a few things with it then make payments over the course of a few months. This will get a credit history started, then you can apply for a major card like Vias, Mastercard, etc. You must have a job when you apply for credit cards, you need to put that on the application to show that you have income to pay.

Answer 8

try premiere card, if you are an illegal alien try bankamerica

Answer 9

For whatever reasons you have been deemed no credit worthy. There is no company that will issue you a non prepayed one as the process for doing so is the same for everybody.

You just have to suck it up and start at the bottom and build credit. Pay the membership fee and get one started. Remember, you only pay interest if you let the balance drag out. If you pay the whole sum in its entirety each month, you will only be paying the principal (the original amount) and no interest. They only get interest when you drag out the balance.

Answer 10

here are two great credit cards that will almost certainly accept you, are good credit cards to have to establish your credit further, and have no annual fees.

here are two great credit cards

Blue from American Express®

0% APR for up to 15 Months

As low as 8.99% APR

no annual fee

full detailed explanation of the credit card can be seen here...

http://www.cardlister.com/CreditCards_de...

Citi® Platinum Select® MasterCard®

0% APR for up to 12 Months

As low as 8.49% APR

no annual fee

full detailed explanation of the credit card can be seen here...

http://www.cardlister.com/CreditCards_de...