Credit Card Question & Answer

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Credit Card Applications » Questions » User Questions » Build Credit History » I want to apply for a credit card, but do not want to have a negative mark on my credit for ...

I want to apply for a credit card, but do not want to have a negative mark on my credit for applying for and possibly being turned down for the card. Is there a good card out there for someone to re-establish credit and get approved? I filed for bankruptcy nearly 3 years ago and I am steadily rebuilding my credit. I have a car loan and a department store credit card that are both in good standing. Please advise which card would be best to apply for.

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Leo Zhu

Almost all credit issuers will request your credit report if you apply for their credit card. A single inquiry won’t affect your credit score significantly, if at all. Your credit score will be affected only if you are applying for several credit cards in a row.
Check your credit scores Check your credit scores to make sure your credit is fair. And if it is, you can consider applying for the . This is an unsecured Mastercard credit card with rather low annual fee. The activity on this card will be reported to the major credit bureaus so you will be able to improve your credit history.
If you are not sure whether you will be approved or not, you can look at secured credit cards. These cards require a collateral deposit of about $200, so you have more chances of getting approved.

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