trying to repair bad credit. need a major credit card approval to start building.any suggestions?
544772
ORchard Bank http://www.orchardbank.com/ccssa/OBCustomerCare?cmd_Redirect=HomePage
227217
Your best bet is probably to start with a secured line of credit.  These are credit cards, however you have to pay against the line of credit ahead of time.  This will allow the lender to give you a card to use and have the money available if you default.  Use the card wisely AND pay off your charges on time.  It'll go a long way to giving you a good credit history.\n\nAnother choice if you can't afford the upfront payment on the secured line of credit is to get a regular credit card and since you have no credit history be prepared to have an obscene interest rate.  Use that card wisely AND pay it off on time to prevent any interest charges.  After some time, you can apply for another card with a lower interest rate and chop up that higher card.  NOW THIS IS IMPORTANT...pay those cards off immediately.  Do not get trapped with revolving credit.\n\nYou can give yourself a decent credit rating in as little as a year or so as long as you always pay your debts on time.\n\nGood Luck
619942
If you are rebuilding your credit, you will want to avoid having too many credit cards.  Especially if using too many credit cards damaged your credit in the first place.  Apply for one with no annual fee, a low interest, and a low credit limit.  If your credit score is low, you may have trouble getting a credit card.  Always pay your rent or mortgage on time.  Eliminate Florida trips until you have enough in savings to pay for the trip.  You will want to have a credit card to buy airline tickets, reserve hotels, and cars, but pay off the balance when the bill comes.  Some people get a gas card first when they are recovering from a bad financial situation.  Gas is something you buy anyway so they put the gas on the card, set aside the money and pay off the bill completely when it comes.  Gas cards tend to have high interest rates, but if you pay in full, you incur no interest.  Aim for one card to start with and see how that goes before applying for another one.
740116
Obviously pay your bills on time, but then what? \n\n\nBuild, Build Build!!!! \n\nHere is a fantastic article on exactly that: http://www.expert-credit-advice.com/building_credit.htm\n\n\nThe piggyback technique will get you going in warp speed if someone is nice enough to help you. \n\nI would also reccommend  getting this card: \nhttp://www.goeufora.com/418121496892 \n\n\nIts called the Eufora Credit Builder and it reports to the credit bureaus as an installment loan which is unique for a loaded value card.
1126656
Some banks offer a credit builder loan...you won't get money from the loan, but they will put aside the money in a savings acct for you and you will then make payments on the loan...when you're done, you'll get your money back. \n\nThere is also a credit card called the Secured Visa (that particular one is offered by National City Bank) With that card you would secure the card with at least $250 and then you may use the card up to the amount you secured it with. Make monthly payments for at least six months and that should help build your credit.\n\nOr, if you have no credit at all, get a credit card specifically for first-time credit card users. The only bad thing with that is there usually is an annual fee on them...or search for a regular card with cool benefits.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.
633344
I had good luck with Capital One. They didn't give me a large credit line, but their interest rate is good. Another thing you might consider is just paying off the balance every month so that the interest rate isn't a concern to you.
1103852
check out my profile and use the link\nit takes you to a company that compiles banks and lenders for people with bad credit\nit also provides a credit repair kit help to get that score up
439422
The only credit card you will be able to get is a SECURED VISA or MASTERCARD. You will have to deposit about 500.00 in a savings account tied to that card. The card will have a 500.00 credit limit. YOU NEED to do this to start re-establishing credit. Handle the card very wisely...as in leave it at home. Purchase only a few things with it, make very regular payments monthly, NEVER be late with payment, and you will start to rebuild your credit....it will take a long time, but you must start now if you are ever to have a decent credit rating again. YOu need to learn to handle money...many of us have been where you are at...your credit can be fixed over time, but only if you set your mind to it and spend money wisely. This stuff does NOT grow on trees, and you cannot declare bankruptcy again...at least for a very long time. Think about what you did wrong to put you in this place and do just the opposite from now on...a lesson learned early in life will benefit you for all your years...perhaps it is a good thing, after all. Good Luck.
189607
Might want to try checking your SPAM inbox.  We seem to get tons of these emails of companies that will help rebuild bad or no credit w/a credit card.
1052309
Try Chase. Or capital one. They both gave me credit cards when I had no credit. Then just use them and pay more than the minimum payment (or pay all of it) and it will help establish your credit. You may also think about asking your financial institution. They may have ways to help you as well.
1164438
Stores like Sears or Best Buy offer store credit cards with much less strict credit requirements.  You might try getting a Sear charge card and making a few purchases to establish a credit history.
435787
Be carefull with any credit repair agency.  Alot of times you will end up with a lower credit score when it is all finished. Just sleep with one eye open with all these companys.
174698
None of them.\n\nYou do not need a credit card for ANY reason.  Not even for a home loan.  Home loans can be underwritten.  See a good mortgage broker and they can do it without a credit rating.\n\nIf your heart is set on obtaining one, become a member of a local credit union.  They tend to have the best, basic forms of credit cards.  If you go this route, DO NOT set your credit limit above $500.  Why?  Temptation, procrastination, etc.  Things happen.  \n\n\nI recommend using CASH.  Debit Cards too.  There is virtually NOTHING that you can buy without a DEBIT CARD.  The protections that consumers have with CREDIT CARDS also applies to DEBIT CARDS.  It's Federal law.\n\nI have 2 credit cards.  I don't use them.  I am letting one expire on purpose... lack of use.\n\nI will keep one because I travel extensively, and since I wear out my debit card quite regularly, I do need one.  \n\nI am debt-free, except for my house and my wife's car.  It's a great way to live and be wealthy.
338655
a dept store credit card that was my first one but then I found out I was being ripped off bcuz those have super high interest rates.  it's a good way to establish credit I guess just make a purchase every season and take the rest of the season to pay it off without defaulting it will show you're consistent and reliable.
1058479
AngrySanta says…  Not really possible.  You’ll have to get a “secured” card, but shop wisely because a lot of them are scams with HUGE fees.  Go with a big name company and shop around.  Usually they’ll off a a “1 for 1” ratio, meaning you deposit $200 and you can charge $200, but some companies go up to '"1 for 5".  This will build your credit.   \n\nThe route I took was I joined a local credit union (many are now open to people by just living or working in a certain region) and borrowed a grand from my buddy and deposited it, and then took out a loan on that money and paid him back.  I took out a several-year loan and with monthly payments and built up a credit history and after about two years I paid it off and had an extra $1000 in my pocket when I took my money out.\n\nI also got a secured card which I had for years and years before I realized last year that I was still paying a $39 annual fee which just made me SO ANGRY.  They wouldn’t take the fee off either, so I had to cancel that card.  Too bad, my credit rating took a hit for a couple points because that was my oldest card.  Oh well.  Good luck!  \n\nSide note - I was denied a gas card so many times it’s not even funny, (before I realized each application lowered my score a little), I still don’t have a gas card.  The jokes on them though, I have a rewards card now and get 5% rebate on all my gas purchases!  Mu-HAHAHAHA!