Curious:) asked:
I have a full time job. I am trying to save up money for my next car since my car is really old.
I have a full time job. I am trying to save up money for my next car since my car is really old.
I have a bad credit since one of my fitness account was taken to collection..
Can I still apply for credit card? What if I get denied? how can I apply?
http://1mortgagecalculator.info
Yes, no. With an application but it would be a waste of time.
Getting a secured card is your best bet, Or a cosigner.
U CAN APPLY…BUT BANK WILL NOT GIVE DUE TO UR BAD CREDIT….
Yes, and you might get it most loan companies will give you credit but at a higher intrest rate
Anyone can apply for a credit card, but keep in mind that each time your credit report is drawn up, it does come down a point or so. I am not sure how much, but it is some. Even people with horrible credit can apply, but people with horrible credit will not get a credit card….most likely. I have heard that Macy’s is the easiest place to get a credit card. Someone I know, who never even had a job in her life got a Macy’s credit card for a $100 credit limit. Try that, and buy something small once a month or so and pay it immediately. You can also get a secured card. Yes, you will have to put the money on it and you will have to pay interest if your balance is not paid in full, but it does help improve your credit. Also, with most secured cards, they charge an annual fee. If you get denied for a credit card, you may have the option of getting a free credit report. read the back of the denial letter when it comes in the mail.
You can apply all you want
It is getting approved that will be difficult if not impossible with a bad credit score.
i have bad credit and got a card through First Premier Bank and the interest rate is only 9.9, but im sure that will change brcause they are sub-prime. However, keep the balances low, pay it off in full or at least the majority, and you will be fine
Pay off the fitness account. Its probably charged off, but pay it anyway. Then it wont be such a red flag on your report
Check out this website that discusses getting your first credit card. It’s at and seems very informative.
You have bad credit so its a little different but if you follow the steps you should be able able to rebuild your credit.