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Limited/Bad/Fair Credit Questions

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User Questions & Answers about Limited/Bad/Fair Credit

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I had a Capital One card in the past, but never used it. My credit is fair. I want to know if I qualify for a credit card and when I apply, can I use it immediately online before the card comes?

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Leo Zhu
You can apply for any credit card for people with a fair credit history. Most issuers won’t allow you to use the card immediately after approval. You will have to wait for the card to arrive. Continue reading
If we do not have credit, how does that work when applying for a credit card?

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Once you submit the application the credit card issuer estimates your creditworthiness. What counts are your income and expenses including your rent payments. If you have a bank account, it will be appreciated. The issuer will also pull your credit report. If you have any credit history in the report ... Continue reading
I just graduated college and have never had a credit card before. I recently started a job and have quickly realized how essential and potentially beneficial a good credit card can be. I will be traveling often and spending a lot of time in hotels so I want a card with good rewards, but I am unable to obtain one because of my non-existent credit score. I would really appreciate any recommendations you have for me to get started.

Answered by , at

If you have credit reports with the major credit bureaus (TransUnion, Equifax, and Experian), you can apply for the . This is a cash back credit card which allows you to earn 1.5% back on all your purchases. There is no foreign transaction fee, so you can travel and use your card abroad without worrying ... Continue reading
How can I get an unsecured credit card to improve my credit? And which card is my best option?

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You should consider the Credit One Bank® Credit Card with Gas Rewards if your credit score is 550 or higher. If not, consider credit cards for people with a bad credit history. Continue reading
I would like to get a credit card for Christmas shopping but my credit is fair. Can you tell me what card I can apply for?

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You can apply for a credit card for people with fair credit. Or, if you need it for shopping only, you can apply for a shopping credit card like the Horizon Gold Credit Card... Continue reading
I am a senior citizen on Social Security income and my credit score was 609. I want a credit card – no more than $500 credit limit. I have a bank debit account. What are my options?

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You can apply for the Credit One Bank® Credit Card with Gas Rewards. This is an unsecured credit card with a cash back rewards program. Continue reading
I have no credit and looking to build credit. What can you offer?

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You can apply for a secured credit card like USAA Secured Platinum MasterCard®. Since this is a secured credit card you will need to pay $250 as a collateral deposit. Continue reading
Is there a credit card out there that can help me with rebuilding my credit?

Answered by , at

Look at the Credit One Bank® Credit Card with Gas Rewards. This is a Visa credit card with a gas rewards program for people with bad credit. Continue reading
How does Horizon Gold works?

Answered by , at

The Horizon Gold Credit Card is a shopping account that can be used exclusively at thehorizonoutlet.com. You won’t be able to use it at gas stations or to buy food as if you would do it with a general credit card. Continue reading
Hi, this is my first time looking for a credit card so I have no credit history so far. I am just wondering if this ‘capital one card for newcomers’ is a good choice for me or not. Any suggestions?

Answered by , at

The bank no longer offers Capital One Cash Rewards. However, you can consider applying for the Capital One® Platinum Credit Card. This card is also good for people without credit history. Continue reading

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