I WENT ONLINE FOR CREDIT  CARDS BUT I WASNT APPROVE BECAUSE I HAVE NO CREDIT SCORE. HOW AM I SUPPOSE TO GET A CREDIT SCORE IF THEY WONT GIVE ME SOMETHING TO START WITH? I WENT TO MY BANK TOO..
216734
THE FIRST CREDIT CARD I GOT WAS FROM THE WOMEN'S EXPRESS STORE ABOUT A YEAR AN A HALF AGO. IT WAS A CREDIT LIMIT OF $150. AFTER I PAID ON IT FAITHFULLY FOR ABOUT 6 MONTHS, I STARTED GETTING CREDIT CARDS OFFERS IN THE MAIL. I FOUND SOME GOOD ONES WITH A FIXED RATE AND I WAS APPROVED FOR ONE OF THEM WITH A $1000 CREDIT LIMIT. I PAID THEM OFF, BUT LEFT THEM OPEN WITH A $0 BALANCE. THAT'S THE BEST WAY TO RAISE YOUR CREDIT SCORE. SO NOW I GET AT LEAST 2 CREDIT CARD OFFERS A DAY AND HAVE A CREDIT CARD WITH A BALANCE WITH $3000 NOW. (DON'T WORRY, I CAN PAY FOR THAT) :-) BUT JUST MAKE SURE YOU CAN PAY FOR THE BALANCE CUZ YOU DON'T WANT TO GET YOURSELF IN CREDIT CARD DEBT. SO START OFF WITH A SMALL RETAIL STORE, THEN EVENTUALLY YOU'LL MOVE INTO BIGGER CREDIT CARD COMPANIES. GOOD LUCK!\n\nPS. SO WITHIN A YEAR AN A HALF, I WENT FROM HAVING NO CREDIT TO VERY HIGH CREDIT SCORE. JUST LEAVE CREDIT CARDS OPEN WITH A ZERO BALANCE. THAT SHOWS THE CREDITORS THAT YOU HAVE THE CASH TO BUY THINGS WITH, INSTEAD OF USING YOUR CREDIT CARD. I KNOW A LOT MORE TOO BECAUSE I WORK AT A MORTGAGE COMPANY. EMAIL ME IF YOU HAVE ANYMORE QUESTIONS!
622747
well, I've had a credit score of 785 to 810 from the time I was about 22.  The only credit card I truly believe in is American Express.  I've switched to Blue by American Express because there's no annual fee.  \n\nBut, if you can not get a credit card, I would try a credit union.  Try every one of them.  Be VERY VERY weary of credit card companies.  My entire family is in the financial business and NO ONE HAS THE SLIGHTEST CLUE HOW UNBELIEVEABLY SLIMY THEY ARE.  It would blow the average human's mind if they knew the types of practices that credit cards were allowed to practice under.  It all started with one man in the 80's who's had to move about 50 times since because so many people want to assassin him.  He's the one that created the concept of "compounding interest" and made the credit card companies TRILLIONS of dollars off of people's misfortunes.  \n\nSO, if ANYONE like at a store like target, old navy, gap, walmart, ANYWHERE offers you a credit card and you'll save yourself 15%,,,,tell them to go (*&#$(*@&#($ themselves.  They are out for your first newborn.  \n\nOnly trust American Express and a credit union.  You should be able to find a credit union who will give you a small balance just to see how well you do with payments.\n\nYou will build credit, don't worry.  Just pay off car loans, student loans, etc.  All of that counts towards credit.
185735
Why dont you try getting a Visa Debit Card from your bank.\nIt's like a Visa card but you only spend what you have in your checking account. \n\nYou need to really build your credit back up so maybe get a secure credit card and work your way up to unsecured.\n\nBelow is a website that can give tips on how to fix your credit.  Good Luck
666040
Sorry homey. I look at credit reports all day. You can pay it till your blue in the face and no one cares. Credit is when you OWN something (like your house, your car, the shoes you bought with your credit card) and pay it off later. You pay your rent UP FRONT for the next month. If you don't pay, you get your ass kicked out onto the street. The best way to build credit at your young age is to purchase things on your credit card that you ALREADY HAVE THE MONEY FOR and pay it off right away. You're max will go higher and your credit will too. Don't ever keep your card higher than 50% of your limit for too long. If you can get someone to co-sign for you right now (like a parent) and you buy what you want and pay it off, that looks good too. It's a lot harder to build credit than it is to knock it down. It just takes a while. Your young I'm guessing- so heres the best advice I can give you. Care more now about what your credit score is and what's on your report than what it can get you. You can ruin your credit now by buying a 2000 dollar plasma and then it will hurt you a lot when you go to buy a $300,000 home.
143649
This is one of the most common questions on this board.\n\nHow do I build/establish credit?\n\nFirst off you need to be educated about how credit works in the U.S.  Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) and 1-2 installment loans(car, mortgage) that are reporting positively.\n\nI would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk fees. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.\n\nP.S. Stay away from crap like entrustsystems.com. It is a major ripoff and DOES NOT HELP your credit. Also, most "pre paid" debit cards are a rip off for the consumer. Just get a checking account with a VISA debit card. \nGood Luck
180000
There are 2 types of credit inquiries, Hard, such as when you apply for credit, and soft, when you are just accessing the credit information.  To get your credit score, and avoid a hard inquiry, go to each of the 3 major credit bureaus websites (experian.com, equifax.com and transunion.com) and do a SINGLE bureau report with score.  They run approx. $15.00 each
109784
This is one of the most common questions on this board.\n\nHow do I build/establish credit?\n\nFirst off you need to be educated about how credit works in the U.S.  Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) and 1-2 installment loans(car, mortgage) that are reporting positively.\n\nI would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk transaction fees like some people are promoting on this board. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.\n\nGood Luck
618725
join your LOCAL credit union.  these places are basically just like banks, but typically have better rates and help you build credit.  one thing you can do is to open a savings account at the credit union, then borrow from yourself (they kind of freeze the money in your account while you "pay it back").  i know it sounds funny, but this is a great way to build credit.  either way, join a credit union and see what they can do for you - credit is their specialty.
423758
Same thing happened to my daughter with JC Penneys.  You don't have enough credit history for a store card to give you an account.  Try applying to your bank for a regular VISA card.  It is a bit easier because you already have an account with your bank and the interest rate will be lower than a store card.  (But try to not carry a balance, okay.)  \nYour check card is just that, inspite of the VISA logo.  The funds come directly out of your checking account, so there is no bill to pay, so no history to track.
283362
Just get any credit card, doesn't matter what the interest rate or anything is. Just make sure you pay it off every month then the interest won't matter and it will help your credit rating. Make sure the card doesn't have an annual fee either. Then eventually you will be offered better credit cards. I currently have 7 credit cards because i opened four credit cards when i was 17 then went from there and now i have better credit cards with rewards.\n\nDo not listen to the people that are telling you to get debit cards, if you want a credit rating you need to have available credit which doesn't apply to a debit card.\n\nAlso, getting a credit card from certain stores such as Victoria's secret don't necesarily work as a real credit card, they are only limited to that store.\n\nCiti card would be a good card to start out with, you just have to be responsible with it, if you want a good credit rating you can't abuse it.
542782
I have heard Chase isn't bad at all when it comes to new credit... you may only get a 300-500 limit if you haven't had a history established, but you can get auto credit line increases as soon as your credit has been established and your credit score goes up.\n\nKey here is just to check your credit report... go to experian.com, transunion.com, and equifax.com and request your free annual copy of your credit reports... and if you can afford it, get the score too so you know where you stand when another bank tries to lend you credit.\n\nGood luck.
197490
If you have a bank account, your bank (or credit union) may be able to use your business history with them to qualify you for your first card.\n\nOnce you have one, the rest are easy to get, as long as you don't run up huge balances or pay late.  In fact, if you have a major credit card, you can often get a department store card very quickly, and use it to help establish a credit rating, even if you don't use the card.
627001
the seller asked the credit card company to confirm that your card was good and had available credit so the seller would get paid by the credit card company.  either there was a problem with your information (wrong number) or there was a problem with your card (late in paying, over limit, etc).  in any event, the card company won't accept your card, so unless you can correct the situation or use another card, you can't shop online for awhile.\n\ngood luck!
629626
How are you coming to the conclusion that you have average credit?  Four places have turned you down.  That's hardly average!  You are being denied because your credit is well below average, especially given the ones that turned you down.\n\nEach time you get another credit card, your credit score drops.  Each time you apply for another one, your score drops.\n\nMost financial advisors recommend that you carrry two general use credit cards (Visa, MC or Discover) and no more than one oil company and one retail store card IF you are a regular customer.  Anything more than that is going to hurt your credit rating even more.
638748
You have to build credit history first. The first card is the hardest to get. Get a secured card first, then once you build credit history then you can have a regular credit card. Secured card is you give the bank the amount of money that you want for your credit limit and the give you a card for that amount.. For instance if you give them $200.00 then they will give you a line of credit for $200. If you give $300' then the give you a $300. credit line. Than  once you do that for about 6 months or more then try for a card. Good Luck to you. Even if you don't want it a secured card is the only way you will get the regular one i don't think you have any other options.
496122
My credit limit is $300..I don't think they ever turn anybody down since they guarantee you even if you have bad credit..Interest rate is high...DON'T miss a payment or go over the limit.. Depending on your income, you may get more or less than 300.00.. I went online, set up my account and set the payments up to come out of my account and then I know that my payments are always on time (wonderful thing).. They will (though you have to set that up) send you e-mail reminders to pay your bill and receipts for your payment
480445
your bank or financial institution will Vogue for your credit worthiness taken into consideration your relationship with the bank and how much money you have with the bank.  the bank is guaranteeing you against their reputation. Very difficult to get for large amounts