missthanku asked:
I’m interested in applying for a department store credit card like Carsons, Target, Wal-Mart, etc. However, my credit is not all that great right now but I would like a chance to RE-BUILD it. Does anyone have any experience with getting a department store credit card but you had bad credit? I appreciate and thank-you guys in advance for your kind answers and intelligent business advice.
CreditMechanics.com
I’m interested in applying for a department store credit card like Carsons, Target, Wal-Mart, etc. However, my credit is not all that great right now but I would like a chance to RE-BUILD it. Does anyone have any experience with getting a department store credit card but you had bad credit? I appreciate and thank-you guys in advance for your kind answers and intelligent business advice.
CreditMechanics.com
April 6th, 2009 at 11:37 am
Helping People Fix and Maintain Credit
I don’t think any store will do it. But you can go to your bank and if they offer secured credit cards, you can do that. You put $500 into a savings account and they give you a credit card with a $500 limit. Your money in the savings account is collateral incase you don’t pay. If you do really good, in about 6 months you can try for department store cards. lol.
April 7th, 2009 at 10:00 pm
Bad Credit
Do you have a checking account that offers the visa/debit card? If not, go get one.
This card WILL show up on your credit report even though its a visa debit. (well it did for me).
.
April 9th, 2009 at 4:14 pm
Credit Mechanics
It depends on whether or not you have unpaid bills on your report. If you do, it will be hard to convince a credit card company that you’re going to pay them.
You might try local merchants such as American Eagle, or a jewelry store. They’re pretty easy to get.