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The Watercooler
trying to get a credit card
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<blockquote data-quote="Mattsmom277" data-source="post: 381882" data-attributes="member: 4264"><p>If you have a good history at your bank, you may want to start with speaking to the credit department and request a secured card directly through them. You may get a better interest rate that way, plus they can work with you on credit rebuilding. Often a bank will allow the secure credit card, and the if x amount of payments in a row are never late (usually 12-18 months) they will take the secure portion off. Another 12 months or so of consistent prompt payment and they will usually allow you a small line of credit or something similar and continue working to build you back up with other suggestions etc. Can't hurt to ask!!!</p></blockquote><p></p>
[QUOTE="Mattsmom277, post: 381882, member: 4264"] If you have a good history at your bank, you may want to start with speaking to the credit department and request a secured card directly through them. You may get a better interest rate that way, plus they can work with you on credit rebuilding. Often a bank will allow the secure credit card, and the if x amount of payments in a row are never late (usually 12-18 months) they will take the secure portion off. Another 12 months or so of consistent prompt payment and they will usually allow you a small line of credit or something similar and continue working to build you back up with other suggestions etc. Can't hurt to ask!!! [/QUOTE]
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trying to get a credit card
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