I want to apply for a credit card, but do not want to... - Build Credit History Questions


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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.

Answered on | Updated on July 30th, 2013
The content is accurate at the time of publication and is subject to change.

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 Credit One Bank® Platinum Visa® for Rebuilding Credit. This is an unsecured Visa 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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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