Why Can't I Get a Credit Card?
Author: KristinNichole
Posted: Mon Jun 02, 2003 1:30 pm
Post subject: Why Can't I Get a Credit Card?
I simply don't know what to do. I'm renting my apartment. I pay my bills. I have a checking account and have had a savings account since I can remember. And NO ONE will give me credit. Anyone have any ideas?!
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Author: Kitten
Posted: Mon Jun 02, 2003 2:17 pm
Post subject: Why Can't I Get a Credit Card?
First off, you may want to get a copy of your credit report to see if there are any errors on it. If there are, make sure you get any mistakes corrected or removed. If you still don't get any credit after you do that, then you may have to look into getting a secured credit card. I suggest that you get one from a local bank or credit union. They are usually more willing to work with you and charge less fees.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
author: Eugene
Posted: Tue Jun 03, 2003 2:23 pm
Post subject: Why Can't I Get a Credit Card?
None of the things you mentioned build you credit. Only credit builds credit.
What are the reasons why nobody gives you credit? They have to send you a letter with explanations every time they reject your applications. Look at those reasons and eliminate them. We can help here if you are more specific.
Author: Verne
Posted: Tue Jun 03, 2003 3:35 pm
Post subject: Why Can't I Get a Credit Card?
I echo what Kitten and Eugene said.
If you have no credit history you need to establish credit. Buy something over time, perhaps, with a store card. Stores (especially big department stores like Penneys) often extend credit to those without a credit history.
A local credit union is a good idea too - especially if you have an account and direct deposit (when possible) with them.
Have you ever bought anything on credit? Otherwise, you may have no credit report.
The real catch22 is getting credit for the first time. Like Eugene said, "only credit builds credit". Or, to quote the Credit Bible's genealogy, "Credit begets credit".
author: KristinNichole
Posted: Wed Jun 04, 2003 7:18 am
Post subject: Why Can't I Get a Credit Card?
Like you said only credit builds credit. But no one will give you credit unless you already HAVE credit. And when they reject me they said insufficent credit history.
Posted: Mon Jun 02, 2003 1:30 pm
Post subject: Why Can't I Get a Credit Card?
I simply don't know what to do. I'm renting my apartment. I pay my bills. I have a checking account and have had a savings account since I can remember. And NO ONE will give me credit. Anyone have any ideas?!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Kitten
Posted: Mon Jun 02, 2003 2:17 pm
Post subject: Why Can't I Get a Credit Card?
First off, you may want to get a copy of your credit report to see if there are any errors on it. If there are, make sure you get any mistakes corrected or removed. If you still don't get any credit after you do that, then you may have to look into getting a secured credit card. I suggest that you get one from a local bank or credit union. They are usually more willing to work with you and charge less fees.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
author: Eugene
Posted: Tue Jun 03, 2003 2:23 pm
Post subject: Why Can't I Get a Credit Card?
None of the things you mentioned build you credit. Only credit builds credit.
What are the reasons why nobody gives you credit? They have to send you a letter with explanations every time they reject your applications. Look at those reasons and eliminate them. We can help here if you are more specific.
Author: Verne
Posted: Tue Jun 03, 2003 3:35 pm
Post subject: Why Can't I Get a Credit Card?
I echo what Kitten and Eugene said.
If you have no credit history you need to establish credit. Buy something over time, perhaps, with a store card. Stores (especially big department stores like Penneys) often extend credit to those without a credit history.
A local credit union is a good idea too - especially if you have an account and direct deposit (when possible) with them.
Have you ever bought anything on credit? Otherwise, you may have no credit report.
The real catch22 is getting credit for the first time. Like Eugene said, "only credit builds credit". Or, to quote the Credit Bible's genealogy, "Credit begets credit".
author: KristinNichole
Posted: Wed Jun 04, 2003 7:18 am
Post subject: Why Can't I Get a Credit Card?
Like you said only credit builds credit. But no one will give you credit unless you already HAVE credit. And when they reject me they said insufficent credit history.
posted by CardRatings.com at 1:58 PM
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