Credit Cards for Losers

ChihuahuaMomma · Sep 7, 2008, 07:47 AM

Is there any one Credit card company that tends to approve people who have a bit of debt and no credit history?

I'm a responsible person. I own my car, I have two full time jobs, and rent my own apartment. I unfortunately owe a couple hundred bucks in debt. And have past ((Paid off)) on my credit history. And have absolutely no credit history. Never had a credit card, no loans, no anything. SAD!

Please feel free to offer more advice!!!

ChihuahuaMomma · Oct 5, 2008, 07:53 PM

I dare you!!!!!

ISneezeFunny · Oct 5, 2008, 08:01 PM

also, have you looked into capital one?

they give out pretty low credit limit cards (around $300)

ChihuahuaMomma · Oct 5, 2008, 08:03 PM

Sure have..Denied.

ISneezeFunny · Oct 5, 2008, 08:04 PM

sorry lil one. I tried.

ChihuahuaMomma · Oct 5, 2008, 08:06 PM

lol. I know, so have I. Hence the reason I seek advice from you folks. Seems like an impossible task.

Cassiah · Oct 8, 2008, 09:55 AM

Another way to go about it, is getting a secured credit card. You start by putting money on it, usually $300-$700 dollars. Then that is what your credit limit is. Almost like a prepaid debit card. Since it is your own money, you actually aren't using "credit" but if you make your payments on time it will build your credit. After about a year or so, they will raise your limit and then you will start using "credit". I was in the same boat as you a few years ago, and this is what I did to build my credit rating.

shoupzsnews101 · Oct 8, 2008, 10:21 AM

Well, I have been wanting a card, But my parents say (im 14) that they got bad credit that way so, I cant get a Real Cell phone i have to have a Pay As You Go (Go Phone) So they say IF i am going to get a card until whenever it would HAVE to be a Debit Card for ur same reason, if i were you i would try to pay of debt And Cancel the credt card and Get a debit, U will be debt free, credit free with it. Thats what i would do.

ChihuahuaMomma · Oct 8, 2008, 10:28 AM

Being as you're 14, I'm gonna let slide the fact that your post makes no sense.
First, I don't have debt, that was mentioned.
Second, I don't have a credit card to cancel. I'm trying to get one.
Third, a debit card has nothing to do with credit, I have two, trust me.



At Ask Me Help Desk you can ask questions in any topic and have them answered for free by our experts. To ask questions or participate in answering them you must register for a free account. By registering you will be able to: Get free answers from experts in any of our 300+ topics. Accept money for answers that you provide. Communicate privately with other members (PM). See fewer ads. Sign Up!