User Questions & Answers about Limited/Bad/Fair Credit
Recently Answered Questions:
How can I get a Walmart credit card to buy a new TV?
Answered by 
Leo Zhu, at May 30, 2013
We do not currently offer Walmart credit cards, but you can apply for the TronixCountry™ credit card. This card allows you to shop online at tronixcountry.com, where you can buy electronics including HD TVs.
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I want to apply for a Walmart credit card, but my credit is only fair. Which card should I apply for?
Answered by Leo Zhu, at May 29, 2013
You can apply for any credit card for people with fair credit history. We do not currently offer Walmart credit cards, but you can apply for a card with cash back on all purchases. For example, consider the Capital One® Cash Rewards credit card. You will be able to earn 1% cash back on all purchase. ...
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I would like to get a credit card. Which is best for me if I have fair credit?
Answered by Leo Zhu, at May 23, 2013
The cards for people with fair credit history are good choices for you. You may consider the Capital One® Classic Platinum Credit Card. The card has a low APRs and a 0% introductory period on purchases until February 2014.
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My credit is not good, but it’s not that bad either. I’m looking for a card with at least a $500 credit limit to build my credit. Where can I find the right one?
Answered by Leo Zhu, at May 22, 2013
You can consider credit cards for people with limited or no credit history. These cards are good for those who want to start building their credit profile. Your credit limit will be determined by the credit issuer and will depend on your creditworthiness. For example, the credit card has a starting ...
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What type of secured credit card can I get? I have a bankruptcy on my credit report.
Answered by Leo Zhu, at May 21, 2013
You can consider any secured card which meets your requirements. Consider whether you want Visa or MasterCard credit card. If you want a low annual fee, be ready for high APRs. And if you want a credit card with low APRs, an annual fee may be quite high. Also, make sure the card reports to the major ...
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I need some advice. I own my own business for about 4 months. I’m a 21 year old self employed web developer, and I’ve never had any credit. I make between $750-1200 a week every week and I hope to get a very small credit line to prove that I can pay my payment early every month. I don’t need a consumer card to purchase from websites, maybe just a gas card or something that could help me to build credit. Do you by chance have any advice for me?
Answered by Leo Zhu, at May 21, 2013
Cards for people with no or limited credit history would be a good fit for you. You will be able to start building your credit history because your credit activity will be reported to the major credit bureaus. Usually credit card issuers do not give a high credit limit to people without credit history. ...
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I am in the process of having some major dental work and it will cost approximately $2,000. My credit is fair but I can’t afford to pay a lot of fees. Please help. Thank you
Answered by Leo Zhu, at May 10, 2013
If you need a credit card, you can consider credit cards for people with fair credit. These cards have low fees and interest rates and some of them even have a rewards program. Your credit performance will be reported to major credit bureaus and, if you make monthly payments on time and stay within ...
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I think my credit score is a 594, what class does that put me in?
Answered by Leo Zhu, at May 7, 2013
With your credit score you can consider credit cards for people with bad credit. You can also look at the secured credit cards. They may be good for you as well. Check your credit score before you apply for a credit card to see if it has changed.
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I had a First Premier card and it went to collections, but now I want to apply for another credit card with the same bank to rebuild my bad credit. Would I get approved?
Answered by Leo Zhu, at May 3, 2013
If you had a bad experience with First Premier in the past, it would be better if you avoid applying for their cards again to eliminate the risk of being denied. Instead consider a secured credit card. Secured credit cards are good for people with bad credit even if they filed bankruptcy in the past. ...
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I need a credit card but I keep getting turned down. What can I do to get a credit card if my credit is bad?
Answered by Leo Zhu, at May 2, 2013
First of all, find out the reasons you were turned down. The issuers usually explain that in the rejection letter you should have received. Also, check your credit report to make sure there are no errors. You should consider a credit card for people with bad credit. Another option for you is a secured ...
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Most Popular Questions by Category:
- I currently have a credit card with Discover, can I use it at Macy’s and get rewards?Posted: June 17, 2013
- I want to apply for a Gulf Gas Credit Card. What can you offer?Posted: June 14, 2013
- I have a credit limit of $300, but I am going on vacation and want to increase my limit to $1,000. Can I add the additional $700 on the card to reflect the balance of $1,000? Thanks in advancePosted: June 14, 2013
- I was approved for a credit card just a moment ago. They stated that I could use my credit right away even though I wouldn't have the card for 4 to 7 weeks. Is this true?Posted: June 14, 2013
- I'm interested in obtaining a World card MasterCard. How can I apply for one and what does my credit history need to be?Posted: June 10, 2013
- I've heard, when shopping for a car, the inquiries do not hurt your credit. Not true. Every car lot I have been to has resulted in a hard inquiry. I have heard that before someone hits your credit report they need your permission first. This is a myth, right? I am in the process of repairing my credit. Looking at my credit report and going through my file I have found a few errors. How do I handle that? Do either of the 3 credit reporting agencies pay attention to how any times the same account is put on the same report? Each time it is reported different, out of the 3, 2 are reported wrong. I do have the proper documentation I just need to write the letters and mail them. I need to find out if you have any suggestions or a form letter to send to the reporting agencies when disputing errors and sending corrections to them. Thank youPosted: June 07, 2013
- Can add an authorized buyer to my Macy’s account?Posted: June 06, 2013
- Hi, I turned 18 in December and I have a job now. I'm debating on whether or not I should get a credit card and if I do, I'm looking at getting the Capital One Journey card. What would your advice be on this?Posted: June 10, 2013
- Does a cash advance include ATM withdrawals? I'm only 18 and entering college in the fall with no credit history because I've never bought anything on credit before. Is this Discover student card usually approved for someone in my situation?Posted: June 04, 2013
- I would like to apply for an account with Shell credit card for our company.Posted: June 04, 2013
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