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What is the easiest department store credit card to apply for with bad credit?
I’m interested in applying for a department store credit card like Carsons, Target, Wal-Mart, etc. However, my credit is not all that great right now but I would like a chance to RE-BUILD it. Does anyone have any experience with getting a department store credit card but you had bad credit? I appreciate and thank-you guys in advance for your kind answers and intelligent business advice.
...asked on April 14th, 2012 @ 4:05 am in Credit Card - Business
I don’t think any store will do it. But you can go to your bank and if they offer secured credit cards, you can do that. You put $ 500 into a savings account and they give you a credit card with a $ 500 limit. Your money in the savings account is collateral incase you don’t pay. If you do really good, in about 6 months you can try for department store cards. lol.
...answered by JACKIE A on April 14, 2012 @ 4:50 am
Do you have a checking account that offers the visa/debit card? If not, go get one.
This card WILL show up on your credit report even though its a visa debit. (well it did for me).
...answered by Judy on April 14, 2012 @ 4:57 am
It depends on whether or not you have unpaid bills on your report. If you do, it will be hard to convince a credit card company that you’re going to pay them.
You might try local merchants such as American Eagle, or a jewelry store. They’re pretty easy to get.
...answered by latebreakfast on April 14, 2012 @ 5:56 am