trying to get a credit card

Discussion in 'The Watercooler' started by peg2, Sep 30, 2010.

  1. peg2

    peg2 Member

    This is a little different than asking how to get those difficult child's a credit card!!! But a lot of you have similiar situations. I have messed up credit from an ex-husband and have not been able to get a credit card on my own. I can't not get it because of bad credit, but more because of no credit. I just never bothered to apply in years and it has been so long no one wil give me a card.
    Any suggestions where to apply? Thanks
  2. AnnieO

    AnnieO Shooting from the Hip

    You can usually find a credit card that will let you put X amount down, and then it's a secured card. Your credit limit is what you put down. After a while, they will up your credit, and then give you the money back and it's unsecured...

    Store cards can be helpful too, just don't over do it!
  3. KTMom91

    KTMom91 Well-Known Member

    I would suggest a secured card, too. I got one after I had to declare bankruptcy after living with a crazy man, and I was able to rebuild my credit well enough to buy a house. Unfortunately, now that Hubby is unemployed and I am under-employed, my credit went down the tubes again.
  4. klmno

    klmno Active Member

    If you don't mind me asking, how long did it take after the BRK discharged, ktmom?
  5. Mattsmom277

    Mattsmom277 Active Member

    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!!!
  6. CrazyinVA

    CrazyinVA Well-Known Member Staff Member

    I got an unsecured credit card less than a year after my bankruptcy was discharged, from the company always wanting to know what's in my wallet. They used to give credit cards out like crazy. It had a low limit, but that didn't matter to me.. it was something for emergencies, plus a way to begin rebuilding my credit. Of course, that was over 10 years ago, and things may be tougher now. Secured credit cards may be the way to go now.
  7. KTMom91

    KTMom91 Well-Known Member

    The bankruptcy was discharged in 1989, and I bought my house in 1996.