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nobody ever approves me, how can i build me credit back up with all the turndowns. never had a... |
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Date:
February 17, 2007, 11:16 pm |
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nobody ever approves me, how can i build me credit back up with all the turndowns. never had a credit card before . I work all the time to get me bills paid. will somebody help me??? |
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Answer:
If you have no credit score, you shouldn't despair. It often happens that people apply for a credit card, for which they are not eligible. With no credit history you can't be approved for a bad credit card even. In your situation you can choose one of the three possible variants. You are free to apply for a secured credit card. It requires a bank deposit, which guarantees you will pay the credit off and also determines the amount available for you as credit. Unsecured credit card doesn`t require a beforehand deposit, but to afford this card your income should be enough, as the fees and charges of credit cards for no credit are rather high (it`s the only way bank can compensate the risks). You may also prefer such an option as a credit card with a co-signer. If your friend or relative with a good credit history agrees to become one, he or she will apply for a good credit card and when gets an approval, you can be signed as a co-borrower. In this case both of you are responsible for the credit being paid, but it's you who should pay it off. Before you make your choice you are welcome to read our articles to learn the rules for starting your credit. It's up to you to decide which variant is the most suitable for you. Pay your credit accurately and you'll build a strong credit history. |
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