Im 24 & have 2 small kids and no credit. How do I get a pre approved credit card? & not pay in advance.?
139905
Credit is a notion concieved by the Devil.. If you don't have any debt, don't start.. You'll get so far behind.. You'll still be paying on it when your kids graduate from high school.. \n\nIf you can't afford something. Don't buy it. If you need assistance. Contact a religous institution i.e.; church, temple, mosque or shrine. Request assistance. Go to your local medical clinic and ask to sign up for medicaid. While you're there ask about food stamps. \n\nYou don't want to start any kind of credit. It's the worst thing anyone could bring upon themselves.
483000
Many Credit Unions will let you open a savings account.\nYou put at least $200.00 in it and you can get a loan against it. Make regular on-time payments, and your credit will improve.\nAlso, many credit card companies offer secured cards to people with low or no credit.\nFirst premiere bank\nOrchard bank\nRewards 660\namong others.
134749
Just went thru this as I have never owned a credit card,payed my bills on time but no credit is like bad credit in lenders eyes.Our solution was to get a co-signer for a loan and purchased a new vehichle.After timely pymnts,in a few yrs we will have built the credit we need.GOOD LUCK
966749
You need a guaranteed approved secured card. \nI highly recommend the Eufora Credit Builder Mastercard from Bank First. \n\nYou are guaranteed to be approved, there is no credit check. \n\nIt is a Mastercard you can use anywhere Mastercard is excepted. \n\nIt reports to the credit bureaus and will have a dramatic impact on your credit. \n\n\n\nIts $100 for two years membership\n\nWhen you pay the $100, you will have a zero balance and will need to load funds onto it. \n\n\nIt may sound expensive, but have you any idea how much bad credit costs you? Thousands every year. \n\nFYI, it also reports that you are making payments on an installment loan so it really helps your credit! \n\n\n\nYou can apply for it here: http://www.goeufora.com/418121496892
472934
You can get a loan from your credit card. Ask for a cash advance. However, use it only for an emergency because it charges very high rates.
62803
Do you have a bank that you have any accounts in?  if you do they may be willing to make you a small loan.  Everyone has to start somewhere.   (how can anyone ever get a loan if they didn't have credit?  think about it... Everyone had to have a "first" loan - it's from that point that you will establish if you are trust/creditworthy or not) so don't blow it.  Pay that loan when you do get it. \n\nIf you don't have a bank account - you may need to have a family member co-sign  the loan for you.  You need to be sure to pay the loan off on time and you will be on your way to building a great credit for your future.
442410
Try applying for Cap1 or Discover.  If you get denied you may have collections or something else negative on credit.  You'll want to open a secured account at either Bank of America or Wells Fargo where you will put money into a savings to act as collateral.  When you close the account you'll get that money back plus some interest.  Stay far away from companies offering a secured account that don't ask for a deposit.  They will give you a card with a full balance!  If the card has a $200 balance, you will owe $200 of the bat.  They say that they're doing you a favor because if you pay them on time you'll get better credit.  Your credit score is determined by a large part by your balance-to-credit limit ratio.  The lower you keep your balances compared to your credit limits, the better your score will be.  Using these scam cards you are giving yourself a ratio of 100%!  Stay with the big dogs or your trusted local bank if you go with a secure account.  Keep your ratio under 50% and your payments on time and you'll get offers for unsecured credit cards in 6 months or less.  Get two or three of those (keeping them under 50%) and you can close the secured account, take your deposit, and buy yourself a "congratulations" gift with the $200.
798846
If it's so bad you don't have a credit card you can try a secured credit card.  (Where they keep an amount of money you send them in a savings account for a certain amount of time to back up your purchases.  Depending on the card you can start with as little as a $100, but you actually have to USE the card for it to reported.  Eventually they'll up your credit limit and you can get your money back after so a couple of years.  I had a secured card with Providian a few years ago, high interest rate but no problems!  I think after I got a real credit card I called and cancelled the account and just asked them to apply my money they had to my balance.  I was nervous about getting my money back so I went and bought something that put me close to my limit anyways right before calling!)  They will report your ontime payments to your credit reports and it will help improve your credit status.  \n\nLike others said you definately go over your credit reports and check for errors!  \n\nAlso, if you believe that you have a good reason for not paying something that is on your credit reports you can write a "note" that explains the situation to be attached to your credit reports.  (You would send these to all 3 credit report companies.  You'd have to search on requirements and where to send them.)  That may or may not help!  Say for example you were ill for several months, had no income, you're just getting back to work, the amount due was in dispute and you have proof, etc.   A lot of credit decisions are made by a person somewhere, you can hope to hit a soft nerve once in a while!
1097765
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.
567312
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
23180
You can apply but you better have OTHER SOURCES (alimony, child support, allowance, etc) of income to provide as proof of you having some kind of money to pay, otherwise they will deny you. The only other choise is getting a Secured Credit Card. Where you place money in a bank account and your credit limit is the amount that you put in the bank (you cant use the money in the account though, its basically collateral). If you seek a Secured one get it from a well known bank though like Bank of America. They have a lot of banks and companies that offer them but they tack on huge fees. Like for a $200 card after they apply their various assorted fees your credit limit will be $50. Large reputable banks however may only charge you a $40 annual fee for the card.
58833
Your best bet is going to be getting a secured credit card - where you give them some money up front, and they give you a credit card. Use it wisely, pay all your bills on time, and don't overspend, and it'll help you build credit so that in a little while you can qualify for unsecured cards.\n\nWatch out for secured credit cards where where they charge you phenomenal interest rates or exuberant annual charges.
456519
Credit cards are easy to get.  TOO easy if you ask me.  You can apply online, call the company, or apply through your bank.  BE CAREFUL though because they will give you a card and a maximum limit and it is so easy to just start spending.  I have a friend who racked up credit cards when she was 17 and 18 and she barely, barely paid them off (she is 27).  They are not your friends.  Make a habit of only spending what you make and having one to only use in emergencies like unexpected car repair.  Good luck and God bless.
418157
get a job,  a bank acct  and then they will let you have one.   (why would you get a credit card without a job?)
276145
Apply to different credit cards but don't overdo it.  3-5 should be ok.  Make sure you do not send a late payment, that hurts your credit.  Try to pay more than just the minimum payment.  Don't max the credit cards either.  That won't help your credit.
180510
You can apply online though various banks for cards.\nMerely do a simple search for either card and dozens of sites will be available to apply
1150310
I have flawless credit and this is how I did it. Start by joining a credit union or a bank. After a few months they will approve you for a small personal loan. Once you take out the loan, cash the check and pay it back in a few days. You wont get hit by the interest and they love to see you paying off your debts that soon. Repeat this process a few times, they should give you larger amounts each time, based on your repayment history. After a couple of years you will be well over a 750 rating. Also avoid racking up huge number on a credit card. That will only come back to haunt you. Also buying and paying off a car or home counts huge.