if credit scoer low,how to get the credit cards or bank loans.im a student?
346426
Find someone to co-sign for you.
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
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.
981580
Go to your bank and show them your papers or a documents and request them for a personal loan.And Banks are used to provide you a soft loan.
249768
Your question is a little too vague.\n\nWhat do you mean by mediocre credit? Do you already have unsecured credit cards?\n\nBecause your question leads me to believe that you have other credit cards with balances that you would like to consolidate.\n\nUnless you really qualify for a 0% credit card offer and can pay it off in the typical six month window they offer, then credit cards are the worst way to borrow money.\n\nIf you can I would first reccomend re-financing your mortgage(if you have a house) and second if you qualify you can take out a personal line of credit from a bank or credit union. \n\nIf this isn't the answer you are looking for then post a more specific question.\n\nYou can shop for different credit products at www.bankrate.com\n\nGood Luck
113977
Get a store credit card and use it.  Don't build up a big credit balance, but pay off the balance on a monthly basis, on time.  Pay all your bills on time.  Don't carry a big balance on any credit card, and don't have too many credit cards.  Establish a history of paying your bills on time, even your phone bill and electric bill.
356395
Very slowly. First get a credit report from expeirian and see what you owe and what ccjs etc you have got.\n\nThen pay the money you owe.\n\nThen go to all the banks and try to get a bottom of the pile credit card with almost no limit.\n\nkeep spending on the card and keep it up to date on payments and your credit limit will rise slowly\n\nThen after so long your credit score will rise and hey presto your on your way.
654106
Yes U can get a loan from any bank -check out the main branch of any bank -lots of banks provide the student loans.
133397
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.
1175781
The only way I know of is to get a co-signor on a loan, and re-establish your credit from there. See if your bank will work with you on a small credit-reestablishing loan as well. Most banks will, especially if you tell them your circumstances.
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?)
63521
Actually, you are already on your way. Simply being aware of the importance of good credit - and then making a plan to maintain your credit is a big step. \n\nThe first thing you need to do is get a recent copy of your credit report. Go to one of the major credit bureaus (www.equifax.com, www.transunion.com, or www.experian.com) and buy a report WITH scores. If you've recently been turned down for credit you can request one (in writing) from each of the bureaus for free. You goal is to get your score above 700. If you have any loans - you must get those current. Do this BEFORE you pay any accounts in collections (if you have those). You'll also want to get up to three credit cards with balances of at least $300. Use the cards once per month to buy something small - and if you need to, give the cards to your parents so you won't spend on them. Keep a very small balance (not zero) on the cards. \n\nDo this and you'll be in great shape within 12 months.\n\nBe well.
913356
there are lenders here for people with limited credit experience\nhttp://www.wesayes.com
207012
Apply for a student loan at your local bank/credit union.
207211
A credit card is a card that you can use to pay for your purchases and promising to pay the money in installments or in full. They are loaning you money upfront (up to your available credit limit) and they are going to let you pay the money within the grace period (25-35 days) or start incuring interest charges. Credit Cards are unsecured loans (which means you don't have to have collateral) and some have extremely high interest rates (some are 9% if you have really good credit and others are up to 27%). In life I believe it is necessary to have one because to apply for a loan for a house you need credit. You need to have a good history of paying back on time, not having a lot of debt, etc... To build up your history, you need a credit card. Get a credit card and just charge one thing per month to start building up your credit. Pay it off in full each month. The more credit you have the less your interest rate may be and the more of a loan you can apply for. The uses are everything! You can stop worrying about having enough cash.\n\nTo get a credit card, you need credit. Where do you get this credit to start with? Well, you can do one of the following:\n1) Get a credit card at a local bank that you have accounts with. Small banks are extremely friendly and can help you build up your credit score. \n2) Get a secured credit card. That means you have collateral. This builds up credit while giving you money management skills. \n\nYou need to be 18 to apply and have a regular income.
1007964
Talk with your local credit union and open an account.  Deposit money in that account and ask to take out a loan using that money as collateral.  The credit union will be safe (cause they are holding your deposit) and you can start to rebuild your credit.  Yes it will cost you some interest but, it is cheaper than getting credit cards at 21%.
560060
Try first permier bank. They offer credit cards to every one. High APR though. However you can also take a secure credit card i.e. you deposit 2000$ in the bank and they give u 2000$ credit limit. Ones u have this for a few months then you will get a good credit and you can get other cards.