What is a good credit card to get that you almost will never get turned down for?
December 10, 2008 - I currently have two credit cards, but would like to get one final one. I've been getting turned down for a few recently that I thought sounded good. What are some good cards and websites where I can get a credit card that almost every gets approved for? I'm young(21) and trying to establish some more credit. My friend got approved for a Best Buy credit card tonight and his credit isn't that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.
The sure-fire way of NEVER being turned down for a major credit card would be to apply for secured credit card. Basically what type of card this is, is that you give them money up front (say you ask for a $500 limit), and everytime you use that card, the money will already be in your account with that card and it will just come out. This secures to both the credit card company and to yourself that the money will always be in there, therefore there will never be any over-ages, late fees, and the the like and will guarantee you a strong credit building account. I hope that my answer has helped you.
- Look online for bad credit credit cards. Your credit may be perfect, but they will give anyone a card.
- a few months ago I went to a local check cashing place and, for $9.95, bought a pre-paid Visa. You can put as much money on it as you want and use it anywhere you want. I only use mine online because when used in a store, you incur a $1.50 finance charge for each use. HTH
- VISA or Mastercard are recognised worldwide, so even if you were to buy something from Asia or Europe, they would be recognised.
if you are getting turned down for cards, then I suppose your credit rating must be turning sour, and i have good guess why. If you goal is to establish a good credit rating, then you are doing just about the exact opposite of what you need to do. Credit scores are based on the total amount of credit you have as a ratio of your total income. So for example, if you have one card with a credit line of $3000 (with an income of say, $25,000) your credit will be much better than having three cards with a total of $9000 (with the same income). Following me? If you want to establish good credit, you need only one card that you use responsibly over a period of years. So, yes, it is good that you have a card, but there is no need to get others. You were likely approved for the first two on the basis of a fairly neutral credit score. Now that you have the theoretical capacity to go on a shopping spree bender with 2(!!) cards, the companies are more reluctant. Advice: cancel the card that you have gotten most recently, and use the other card responsibly-- paying your bill every month, on time. That's how you are going to establish good credit, not by filling up your wallet with lots of plastic.
Knowledge Base: Credit Cards
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