i'm just looking for more options for credit cards for people with bad credit. i'v been denied by all is there any second chance ones.
211968
You've been denied because you don't know how to handle money.  You don't need a credit card, you need to spend money MORE wisely, not borrow more money.\n\nWhat's in my wallet?  CASH!
219710
I have one and I dont recall on how long it took to get one (you could probably call) but Capital one is the only credit card company Ive found for people with so-so credit that actually isnt so bad...  word of advice... if you got a card with an annual fee... a week or 2 before the annual fee is to be charged call them and most times they will cut it in half or remove it
58985
most of them are scams.  but if you have a relative (spouse or parent) with good credit, you can have them co-sign a small loan (try to get a credit card at the local bank with a low credit limit - about $500 to start).  When you show responsibility in paying that, you can rebuild your credit that way
391724
Be very careful with credit counseling agencies.\n\nThere are good ones out there - and there are bad ones out there.\n\nAny that charges YOU the customer - is not a good deal.  Then too there are those that have you send them your money and then you never know what happened to it.  No one gets paid and you never get it back.\n\nThe only one I can tell you for sure is legit is "Consumer Credit Counseling".  It appears to be the most respected one in the credit industry.  \n\nKnow too that lenders do not have to abide with whatever a credit counseling agency tells you the creditor will do.\n\nPLUS - talk to the creditor first is a good idea.  Explain to them that you are considering this option.  You may find that your creditors will work with you to resolve the problem you are experiencing.  My company does that.  At no cost to anyone.\n\nGood luck.
662776
try getting a secured credit card
218305
Your local consumer credit counseling agency may be able to offer advice and possibly assistance.  \n\nI would try the one that is actually called CCCS rather than one that may advertise as credit counseling.  CCCS is non-profit and offers free advice.
121688
Have you moved since you stopped using the cards?  I would go on www.AnnualCreditReport.com  Get a copy of your report to make sure there are not any problems.  Its a free service provided by the 3 major credit bureaus.
610210
If you haven't had any more bad credit on your record since the bankruptcy a year ago, you probably won't have too much trouble getting a loan, actually.  You will pay a higher rate, to be sure, but you can't file bankruptcy again for quite a while so you're a pretty good credit risk, actually!\n\nA good friend filed bankruptcy about 18 months ago due to high medical bills (nearly 7 figures) and recently bought a new car.  She's paying 8.5% with 15% down but had no problem getting the loan approved through the auto maker's financial wing.\n\nA local credit union would be a good place to start, as another poster recommended.  You won't get their prime rate but you won't be raped either!  Just move all of your banking business with them and start rebuilding your credit!
122031
They give you the second chance in case the purchaser does not pay or returns it. A lot of times when someone purchases something it does not get paid for, so they offer a second chance just in case.
335239
I got one as my first card to build credit.  I think the limit was something low like 300 or 500.  It's not worth the bother of trying to increase it because they'll barely do it.  They're helpful with college students and such with little or not credit if you have to parents back the card.\n\nThen, I moved on to the more conventional Visa/Mastercard companies, such as the big banks.\n\nI'm not sure they would be that much different than the large banks if you have a high income, but I haven't tried.
315992
If you have bad or poor credits and want to re-establish your credit, these are the special cards for you such as USA Gold Shopping Card, USA Gold Optimum, or Orchard Bank MasterCard. Since you credit history is bad or poor, you will be only given a small credit line. And you might have to pay a higher interest rate than that of regular credit cards. But if you are determined to get your credit back to good standing, apply for one of those credit cards and always make the minimum monthly payment, or even better - pay off the balance every month. Your credit lender will be willing to low the interest rate and increase your credit line gradually. \n\nIf you still can't get approved for these special credit cards for bad credit, try pre-paid credit cards - These Prepaid Card does not extend you credit. Instead, accounts are prepaid for a specific amount and accounts are only good for the balance you have loaded/applied. They work pretty much like a debit card but entitle you to some benefits of a credit card.
557189
www.capitalone.com  Look for the credit card that they offer to people to insufficient credit history.\n\nSometimes discover offers cards a little easier.\n\nOr, you can contact your bank and ask them if they offer a secured credit card.  For this, you will have to deposit money in a CD with the bank, and they will issue a card to you with a limit of that amount.
199317
I am here to help.  First Premier Bank issues a low limit credit card (appx $150-$300) to people trying to rebuild their credit.  Now you are going to have to pay your min. monthly payments ON TIME, but after 6 months they will raise your available limit.  It's a good program if your SERIOUS about rebuilding your credit.  I've been there so I understand.
234975
I'm one of the investing financial advisors who you don't want to talk to yet.  But I've also done some credit work in the past, and I know who you are looking for.  Be very careful, because there are a lot of crooks out there who sell fake credit repair packages.  The best place for you to go is to a non-profit credit counseling organization.  They can help explain all the issues.  Sadly, there truly ISN'T a quick and easy repair that you can make, but there are steps you can take that will gradually improve your credit over time.  If you handle things right, once your bad times are far enough in the past, it will be like you never did anything wrong.
272885
OPEN ANOTHER ACCOUNT WITH A DIFFERENT CREDIT CARD - TRY CALLING THE PHONE NUMBER YOU MAY GET SOMEWHERE WITH IT AS COMPUTERISED  SYSTEM CAN BE A PAIN
434068
I just got this sham deal in the mail today.Outrageous APR for starters.I've never even heard of this company before today.If you want a GREAT card for lesser credit,then you NEED the Orchard Bank card.I've had a few cards of this sort and Orchard destroys the rest for rates,customer service and 2% cash back.\nYou can apply right on the Yahoo! home page.It's the good card for ugly credit.It's always there.\nGo to www.ripoffreport.com and look up applied card bank.Thecardiwant may be there as well,but applied card bank is definitely there.\nOrchard has files there too,but that was from before HSBC owned them.Orchard is by far your best choice if you have limited credit.Stay away from Imagine or Aspire.First Premier isn't terrible,but the customer service really stinks.
169915
I work for a debt management company. I have heard of them they are a genuine creditor. If they are a good company or if that is a good deal I don't know. What they are offering is typically called a pre-paid or partially prepaid credit card. they are very common when you are rebuilding your credit. there are more well known companies that you could go through- talk to your bank, and I think paypal offers one