Best Department Store Credit Cards For No or Bad Credit

Admittedly, there are quite a few negative reviews involving department store cards. With sky-high interest rates and little to no rewards, you probably understand why we recommend avoiding these cards altogether — unless you have no other options for getting a credit card.

And there may well be a good reason to get a department store card: If you have bad credit or just very little credit history, it can be an effective strategy to apply for credit cards that are known for having easy approval. Many department store credit cards check that box.

For 2017, here are five cards that have a reputation for having consumer-friendly credit approval terms:

Department store cards for no or bad credit — ranked

1. Target REDcard
2. J.C. Penney card
3. Wal-Mart credit card
4. Sears credit card
5. Macy's credit card

1. Target REDcard

Target REDcardMost department store cards are meant for financing. But the Target REDcard is a great vehicle for earning rewards throughout the life of the card. In fact, if you’re a frequent Target shopper, you may even want to keep using it even after you’ve built up your credit.

You get 5 percent cash back (in the form of an immediate discount at the register) in Target stores and online. Using the card online also gives you free shipping and an extra 30 days to return items, beyond the standard return policy.

2. J.C. Penney

JCP cardIf you follow stocks and the business world, you’re probably well aware of how much trouble JCP has been going through the last couple of years. In a nutshell, they have been losing customers like crazy.

But it seems like they’ve relaxed requirements for their credit card. Granted, they’ve been known to give credit limits as low as $150, which isn’t very customer-friendly, but at least they don’t give you enough rope to hang yourself with. So, something is better than nothing. On the plus sie, the card does give you rewards on JCP purchases (although you have to spend a certain amount per month to get them).

3. Wal-Mart

Walmart cardThis is one of the easiest department store credit cards to get with bad credit. That is, assuming you count Wal-Mart as being a department store (technically it’s not, but many people still think of it as being one).

Wal-Mart offers two cards; one is for store-use only and the other is a co-branded MasterCard, so it can be used anywhere that accepts MasterCard for payment. That one is harder to get approved for, but, as their store-only version is relatively easy to get, you might even get it with no credit history.

4. Sears

Sears cardThis department store is facing similar challenges as JCP; their customer base is dwindling, so if you have no credit history, they might be willing to take a risk on you.

Sears has a private label store credit card version as well as a general purpose MasterCard version, issued by Citi. The latter will be more difficult to get, but the store-only card may be within reach. The nice thing about Sears is that that they sell a lot more than just the typical clothes and cosmetics you find at a place like JCP.

5. Macy’s

Macy'sThis is rumored to be the hardest on the list, and you might need your FICO score to be in the 600s. Even if you can get approved, it may not be worth it because they’re known for giving people with bad credit absurdly low credit limits – as little as $100.

For those with excellent credit there is a co-branded Macy’s card from American Express (a CreditCardForum advertising partner), but if you’re reading this article, you’ll want to start out with the store-only card instead. So, once you’ve established a solid track record with some store credit cards and built a decent credit score, move on and apply for something better — a general purpose credit card with rewards.

One more thing you need to know

You shouldn’t rely on store cards for the long term. Store credit cards can help you build or rebuild your credit, but they won’t grow with you. They generally offer few if any rewards and have low credit limits, meaning you’d have to have dozens in your wallet to get the benefits you’d get with a single prime bank card. Plus, many of them can be used only at their affiliate store. Plus, if you carry a balance the interest charges will really put a dent in your wallet. In that regard, it’s probably a good thing that they don’t give you high credit limits, since the finance charges could eat up your paycheck in a hurry.

Updated January 26, 2017

The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

I have a 553 score, 564 according to Credit Karma. I just got denied ALL, except Fingerhut. I even took the card suggestions of the other commenters.. DENIED. I guess I will have to try again in the 600’s..

Fingerhut only approved me for $230

Try the Comenity department store cards. I have about the same credit store and have been able to get a Meijer credit card and several others through Comenity.

try kays jewelry or jared

I was denied a Walmart card, too, with a score in the high $500. Yet, I was approved for $300 unsecured limted with a major bank.

Another thing I’ve really noticed is that often for many people, a bad credit score is the reaction of circumstances outside of their control. One example is they may have already been saddled having an illness so that they have more bills going to collections. It might be due to a occupation loss or inability to go to work. Sometimes separation and divorce can send the money in the undesired direction. Many thanks sharing your opinions on this web site.

Unfortunately, many on high horses dont believe in unforeseen circumstances…that is until they themselves hit rock bottom after medical issues, a divorce, a lay off, or a wringful termination in my case of which I did not win and got black listed by several employers. But that’s another story.

Surprisingly – Nordstrom was INCREDIBLY generous and granted me credit when I was in the low-to-mid 500’s; They started with a $300 limit, but it doubled after 3 months, and about 15 months later it’s at $2,000 (multiple automatic increases throughout the months). They used to be their own bank (Nordstrom Bank, NA); TD Bank is who the credit is through now, but supposedly Nordstrom still does their own credit underwriting so they approve who THEY want, not TD. Also, Target’s REDcard is through TD bank, which I was approved for recently. Also if you try USBank’s secured credit card, make on time payments and leave the balance under 30% – they will approve you for a non-secured with a great limit within about a year.

Michael Jachetta

About 7 months ago, my credit score was 589 or less. I buhave always paid with cash as I have money. Also, I never paid my medical bills as they were reported to the bureaus. One day, I decided to get my free credit report as I was board one day. I saw that the collection accounts got smaller (under 7), and the remaining accounts were within one year of coming off the credit reports as they were almost 7 years old. That is when I studied the credit game as that is what it actually is in my opinion. I disputed all the accounts in which all but one is still standing on Equifax only. Now, my score increased a good bit with all be credit bureaus. Still, I only had two Ford Motor Company car loans that were closed on my account. I had NO credit, which is just as bad as a having 20 unpaid collection accounts. Having money, I was approved for a secured BOA, Citi Bank, First Progress, Discover, and SDFCU. Three have 500.00 limits and the rest have 1200.00 limits. After 90 days, I was approved for an unsecured Capital One card with a 500.00 limit. Just four months prior, nobody would approve me at all. Next, I was approved with FingerHut card with a 500.00 limit a month later. Now, I had a bright idea to take out a 3000.00 secured load from Suntrust bank as I am still paying on it as of today ( six months old now). Well after a month after taking out the loan from Suntrust, I received a pre-approved letter from BP Visa which I applied online and received a 2500.00 limit. A month later, I received a pre-approved letter from Marvel Master Card which I applied and received a 4000.00 limit. At this point, I was shocked as well as happy. Three months later I applied for a Walmart Card online and received a 2400.00 limit. I have never missed a payment in my life as I am 47. I pay all charges within days of spending the money as I never show a balance. I applied for the SDFCU unsecured card and was denied. This is where it gets sticky as well as strange. On Dec 1st 2016, I received a check from SDFCU for 6000.00 as it was a loan for 6.99%. I am not worthy having their Visa Card, but I can have 6000.00 cash in which to pay back. I am still scratching my head on that one. Now, my score with Experian is 722, Equifax is 663, and TransUnion is 674. I do have over 11 inquiries, which is bad. I am likely not to be approved for new accounts for several months; however, I feel that I am in good shape as long as I maintain the payment history. Also, I will pay off the 3000.00 loan in one year instead of the two year term. I will pay off the 6000.00 three year loan in six months. I hope this helps somebody.

Thank you so much for the information.
Now I will get the cards and learn the the debt to credit ratio. It’s a formula I read somewhere….

What jewelry store I could apply for with a credit score in the low 500s?

daniel’s in you are in California

I got approved from Kay’s with a low 500 score.

what was was your score? and also by chance do you know who they pull there report from ? im trying to start my credit, my score is 552.

Oh please! for those of you judging! I had the perfect job. Registered nurse. A 5 bedroom house. My school paid for without school loans. My husband up and left me with 3 small children. I was diagnosed with a dibilitating disease and I lost the feeling in my left leg. Had 4 unsuccessful surgeries on my back and leg and spinal cord. You don’t know what can happen to you in a heartbeat. You can go from taking care of others and your family to being flat on your back and not being able to afford a gallon of milk or not knowing how you are going to provide for your children. So you do what you have to do to LIVE and make sure your children are provided for whether it’s getting a gas card to survive that month or whatever and hoping and praying you will be able to get back on your feet and re pay your debts. Some people don’t intentionally ruin their credit. I’m proud to say that my score is slowly rising with the help of NO ONE and no handouts but don’t judge until you know what situation some one is in !

Well said, Michele!

Well said! My parents made significantly over $100k/yr, and lived very comfortably in they’re $350k+ home with two luxury cars, food on the table, significant money in the bank, 401k, etc.; My mother had a stroke unexpectedly at 44 (healthy otherwise) and was out of work for over a year – in the middle of that my father was diagnosed with cancer and was out of work for an extended period of time. They never thought they’d be people to have a car repossessed, house foreclosed, or default on credit cards, but there they were! It can happen to anybody! Fast forward 5 years they are comfortable, but more important – healthy and happy (unless they look at their credit).

Agreed Michele ! I used to have a poem over my BIG important desk as a Medicaid Analyst for the Government, called, “The Other Side of The Desk”. I read it frequently, but never actually READ IT ! At least not until I was severely injured in a life altering accident that unfortunately lead me to experience far more than I ever cared. Cudo’s to you !! Keep up the good work and also keep on taking up for others!

Im 19, 7 months in credit and this week I got approved at BoA, AEO, CapOne and WF all totaling 1,250 cl. Vantage=624 Exp=678

sears also is another one that is not as easy as you think

Wal-Mart credit card is not easy as you think I got others but Walmart turn me down

Yeah he’s right I applied for walmart and they turned me down the a few weeks later I applied for other 3 cards and got all approved

what was the cards you got approved and wat was ur score at the time of it

Ur right. I worked for Walmart for 5 years and still couldn’t get approved !

my credit scores according to credit karma are 620-640 I am interested in getting an auto loan very soon, and possibly try for a home loan. Should I do that first? or should I try for a walmart and Victorias Secret and have them a bit first? Don’t want to apply for them and have the inquiries hurt my chances at the auto or home loan. Help advise please.

You should DEFINITELY get the home approval first. If you’re already in the 600’s you don’t want to risk your score taking a dip unnecessarily. Also it will be harder to get a home loan if lenders see you’ve made another large purchase(auto) recently. Hope this helps.

HI Sarah, If your score is 620 or above you can purchase a home. You most like qualify for State Bond, Home Advantage or USDA if you are in Washington. That means you can purchase with 0 down. If you are in another state, call a mortgage broker/realtor to get started. Do not go to a bank/credit union. I have been a Realtor over 20 years and have helped people buy homes who have 580 scores. But unless your VA, you can’t go 0 down unless you have a 620. Hope that helps. 🙂

Hi Julie, I have a store card to Overstock and they keep moving up my credit limit, so I thought that that I would get another card to help rebuild my credit. My score is 635, I would like to buy a small home for my husband and I later on. I applied to Amazon and they turned me down due to 2 medical bills that made it to the credit bureau before they did me. Anyway my main question was about the mortgage loan info referenced in your prev parag. My husband and I bith are disabled and on fix3d incomes but can afford to make a good monthly pymt, but no down pymt. Does this 0 down apply to NC?


Capitol One & Amazon were how I got my start, being in the low 500’s. Cap One has several for limited/bad credit which I found on Credit Karma.
They let me know what Fico score I would need to get accepted. The Cap One website will also pre-qualify you before running a hard inquiry.

Fingerhut….was approved for $600.00

what was your score at the time

Checking your credit score DOES make it drop. I work for a bank in collections. Anytime your credit is accessed, it counts as an inquiry. That is one reason if you are financing a car, you should set up your own financing ahead of time. Dealerships will run your credit through up to fifteen or more lenders, immediately dropping your score. Be careful.

Not if you use Credit Karma!

Applied for at least 20 cards
Approved only for Victoria’s Secret
My credit sucks lol
Even defaulted on Fingerhut and stone berry and figis due to a horrible accident ,
But checking to see if anyone has a bad low score {after checking today mine is 479}
And they still got online store credits?

I have a 430. I opened a Swiss Colony and Wisconsin Cheese Man accounts. Dont know if they report, but I was able to open. I kept my initial order under $30, they approved it.

Hey did you apply online or in the store

Try fingerhut or even first premier credit card. Their credit limits may be low at first and i know first premier has an annual fee and high finance fee, but you need to start building credit to get better credit offers. Once you use is responsibly just using it to buy something small and pay it off, it definatly will start raising your score within about 6 months. I have been where you are in credit score range. I lost my job and my perfect credit went to crap. My home and car payments became the priority. Good luck.

I got messed up with some student loans back years ago, got them out of default, paid them off, and went back to school. All fine and dandy but I’ve had bad credit ever since so I never bothered applying for credit cards or anything of the sort. I rent my house through a private owner and bought two cars through a small, locally owned dealer. The strangest thing happened a few months ago. I got a preapproval on a First Premiere so I applied and got a $400 CL. Faithfully have paid on time since I received it which, I believe, was either July of August this year. Hubby just got approved for a Capital One and Merrick with $300 and $550 CLs respectively. So then- I received Fingerhut and Montgomery Wards catalogs in the mail, approved for both of those instantly. Fingerhut is $500 and Montgomery Wards is $450. I’m not sure what made me think of it but I rolled the dice and applied for a Kohl’s card under hubby’s name ($300)- he was approved instantly and when I went to print the thing, the screen timed out and I couldn’t get back to the card number so I went back in there and applied under my own name, lo and behold, approved for ($300). He applied for Peebles and was approved at $350 and Dress Barn at $300 so I applied for Peebles and it gave me that 7-10 day letter schpeel. I thought it was because I had too many hits on my credit so I shrugged it off. I kid you not, today I checked my email and found one that stated, “Welcome to your Comenity Charge account”- I was stunned so I logged in to check the last four numbers on hubby’s and then logged into mine and noticed the numbers were different so they indeed did approve me even after that letter. I’m just really grateful because I was stressing as to how I was going to pay for gifts on top of regular monthly bills. In all that, a few weeks ago, my dryer died so I applied for a Sears card and was declined and then a Macy’s card and was again declined. From what I am reading, I understand these accounts will pick up my FICO score but would also advise not to be too stressed over those decline letters. There is hope- if they approved me, they will approve anybody. I’ve always had a very low opinion of credit cards because I’ve seen people lose everything they had with them so I don’t want that to be me as I went through my own Hell with my student loan problems.
Incidentally, the person making the negative comments on bad credit, it happens. Don’t judge. I got sick in 2008- I was 37 years old and very healthy up to that point but I was half dead two months into that illness so no, I wasn’t working and stuff wasn’t getting paid. We had to move, had a piece of a car that barely ran and no insurance. a $300k medical bill will put you in a poor house like talking about it and I had just had that conversation with my job about short term disability. I was healthy, I didn’t need that mess. But alas, the universe listens when no one else will. So don’t think it can’t happen to you just because it never has.

I have a score of 450
Are there seriously a store online credit available for me that is guaranteed

I have a credit score of 569. I read through a bunch of these reviews and thought i’d take a change on either Walmart or Victoria’s Secret based on what I was reading. I held my breath and hit submit for a Walmart credit card, expecting to be disappointed… I got approved for $500. My other (major) credit cards are pretty much maxed out, but I do make the monthly minimum payments on time, i’m not sure if that was taken into consideration or not… but if someone is trying to improve credit… I guess I would, at this point, recommend Walmart.

SEARS is not an easy card to get. I have a score just shy of 700, a Southwest Visa with $16K limit, B of A with $8500 limit, Amex, Amex Skymiles, and credit utilization of less than 18%, with great income, etc., but keep getting denied for a sears card. I find it interesting that they keep popping up as one of the easy cards to get. Maybe I’ve been blacklisted!?

You are right Sears is NOT easy. Sears credit is issued by Citibank and Citibank doesn’t give any love unless you have great credit. Citibank also issues Home Depot, Best Buy, Goodyear, Staples, Office Depot, Shell, Exxon/Mobil among others. Don’t waste an inquiry on them until you have better scores.

That is true Citibank is hard but I just started credit 2 years ago and I have a 654fico with cu at 13% and my cls are low my highest is 1500 and I have 10 new accounts but just applied and got approved for Macy’s card with Citibank and got a 500 Cl so I recommend to try with them the others are just harder to get

with a score in the very low 500’s I got my first card from $250 credit limit. But it boosted my score 27 points in the first month I had it. Yay!

I have zero credit history coz i just moved to united states. I qualified for amazon store card with $400 credit limit

Capital One can be a good credit card to start with if you are establishing credit for the first time (or rebuilding). They used to have a “Newcomers card” that was specifically designed for people who are new to this country, but I don’t think they are offering that card anymore. They do have a secured card, which can help establish credit. The downfall is that it requires an initial security deposit, anywhere between $49 and $200… But, if you make monthly payments on time and use less than 30% of your credit they may increase your credit limit for you by a little bit. The other option to increase your credit limit is to give them more $$ towards your security deposit.

ive seen a lot of people saying they weren’t irresponsible they just fell on hard times company went under divorce ect and there angry because they feel there being accused of being a bad person,when in reality they are judgeing as well. I was irresponsible. I opened cards and accounts maxing them out with no intention of repaying. I was young and stupid. but that dosent make me a bad person. if I continued to take advantage of credit maybe,but im rebuilding now.

I have to say that some of the negative comments that i have read about people with bad credit are just ridiculous. i was one of those bad credit people for a long time. However, within the past eight months my score has gone up from a 499 to 662 and i am proud of myself. I made a lot of stupid mistakes with my credit not realizing how important it was to have good credit at the time. Credit Karma isn’t the most accurate website, but i must say that if it wasn’t for them i wouldn’t have been able to keep a lookout on how my scores were doing. I have also watched a lot of negative marks fall off of my credit because of the time limits and me disputing them. In November of last year I first applied for a VS card and to my surprise with my low score i was approved with a CL of 250. over the month i have gotten 2 increases and now have a CL of 700. I also applied for kohls (300 CL)and macys(600 CL) around the same time and got approved for both. Then as my score started going up from their in February I applied for First Premier Card with a 300 CL, 2 capital one cards (Journey, Classic Platinum both with 300 limits. However after about a month and a half i requested a CLI on both and now one is 800 and the other is 550. That is well before the 5 month fresh start program that they offer that gives you an increase after 5 on time payments. Since then i have applied and gotten approved for Childrens Place, Shell Gas Card, Justice, Old Navy, Walmart, Gap, Amazon, Express, Limited, American Eagle, I also have about 5 other major credit cards. I know you are probably thinking i went overboard. I did and i have admitted that i have a credit card problem, but i use the store cards then i pay the balance off and my utilization on my other cards is well below the recommended 30%. I am planning on closing four of them though because of the fees that come along with them. The good thing is they are the more recent ones. so it won’t affect my credit history too much. With all of that being said, i would sign up for a credit monitoring site. I recommend CK because they suggest cards that you can apply for based off of your credit rating. Also, try to pay off some debt, dispute what you can’t pay if possible. Things will go up from there. I am so happy every week when i check credit karma and my score has gone up again. Also, when applying for cards take advantage for the free fido score that some of them offer. Like the Walmart, Barclay, Credit One, Capital One, and First Premier. Those cards help me keep track of my score range as well. But don’t be like me and get credit card happy though. Don’t get me wrong i use all of the cards, but i just don’t need all of them. lol

That was a very good story to tell. I owe a lot of medical bills but also a gas credit card, boy they really got me but I didn’t know much about credit cards. I still really don’t. With my bad credit I applied for a Capital One and a Credit One credit card and they both approved me. Sure it’s only $300 credit but I feel I’m lucky I was even trusted with that amount with my bad credit. How do I go about paying or old debt?..Who do I call? Another question, is it true that after seven years they have to let the debt go? and take it off your credit record?. I really would appreciate advice and help if you can. I don’t want to go crazy with these cards. I just thought for some reason that the more credit cards I get and pay on time the better my credit will get but the other debts are still there and they have to see them when they look. Thank you so much for sharing your experience with us.

Hi Tricia,
Congrats on bringing your FICO up. I wanted to warn you to NOT cancel ANY of your credit cards—just pay them off and don’t use them. Why? Because if you close them, your overall available credit will decrease which will cause your credit score to drop. Trust me on this one.

These comments helped me alot and now heres my story. so I had terrible credit in the low 500’s but then I applied for credit at daniels jewelry and just like i was told everyone gets approved! Soi got a $225 limit payed it off within a few months. Then i saved $1300 and financed a car at hallelujah motors or cars in north hollywood ca and they didnt run a credit check. So try them it was a $4,000 nice little car. That plus the daniels shot my credit score up to 685. Then i applied for seventh avenue, midnight velvet, and montgomary wards and was approved for all 3. So i made one small purchase from each like$20-$40 so i could pay it off quicker. Then i applied online for walmart got approved $150 limit, then pier 1 imports got $1500 limit, then the gap got $300… Im am so happy because i hadnt had good credit since i ruined it as a teen, now as a single mom in my late 20s credit is helping me greatly. I still havent been approved for a $ credit card but it will happen im sure once i pay off my new credit debts. So just be careful and make sure you can afford all the monthly payments when the bills come in. It is tempting to open accounts everywhere so just be able to afford the monthly payments later, also it did hurt my credit score when i applied for too many cards , because i applied for around 10 more like toysrus and target, jc pennys, best buy and more that did not approve me and my score went down to the low 600s. But pray have faith andvuse common sense you will get a card and when you do take care of it and all other credit because it will open doors for bigger stores and higher limits 😉

Does anyone know what the Daniels Jewelry website is?

People shouldn’t be so judgmental about others with bad credit; life happens and things don’t go the way you planned but this doesn’t make you a bad person or a person with poor money management, it just makes you a person who fell on hard times who now is trying to rebuild what you formerly had. For those who think they are holier than though and want to be critical of others, life has a funny way of showing you the error of your ways and I’m sure one day you’ll go through something yourselves which will humble you. Kudos to those of us who are just trying to rebuild where we formerly went wrong and the best of luck to all.

Amen, Buddy! Your statement is SO TRUE. I always say to others who are judgmental be careful for you Never know NOT what curve ball will be thrown your way. My husband and I were working the same job together when the company closed shop without any warning, both lost jobs together. from there everything was lost but our Faith in God, who kept our Sanity. But at least we know, there were and are others who are going through the rebuilding process, it is hard work, but with perseverance it will pay off. We are living witnesses. God Bless you Cris and to all others on this forum rebuilding.

You know there are so many stories about how credit go tanked, and the steps to improve it. I think this is really a great forum with a lot of helpful advise. As long as people remember each situation is different and outcomes may not all be the same, it is great to know there is hope. As for negative people slamming others -TODD-JOE- we can’t all walk on water, and frankly, Im fairly sure you cant either. The way you slam people makes me seriously wonder what your trying to deny. In other words, if all you want to do- or in your case- all you can do – is be a total negative jerk, then go do it elsewhere. your not holier than thou and I seriously doubt you can walk on water without rocks

Excellent come back my dear!

@Todd, you are correct my friend, only an idiot would be in debt and is trying to get into bigger debt! You are all here looking for credit cards for bad credit because you were irresponsible the first time with credit, not smart about handling your credit and not responsible for keeping your credit. For those who have never had credit, you are excused, secured cards are the best way to start. For those who have bad credit, like todd said, pay your old debts and in time, your credit will boost up.

Get a life mr. Thats the most rificulous crap I’ve ever heard. Bad credit because of mismanaged money. Hopefully you never go through a tough spell with your employer closing its doors or mass layoffs. Some times you have to choose milk or the power bill. Crap happens to good people.

That’s not exactly true. I for one don’t have bad credit because of debt. I don’t have any debt at all. I have bad credit because I was checking my credit score too much because I was young and didn’t know that it affected your credit score. Debt is not the only way you get bad credit.

Morgan, checking your credit score doesn’t affect it. Applying for credit does. Even receiving pre-qualified offers doesn’t affect your credit score.

Still, the point stands. My delinquent accounts are actually medical bills I accumulated over a short period of time, when I had no income or insurance. They aren’t devastating, and I’ve gotten a lot of low-range credit cards since then (which I have not mismanaged even once, thank you very much), but the lack of credit history was. How am I rebuilding it? With credit cards, duh!

WOW Dude, your really smart… to know so much about why people are in debt….. and to give advice like you do… you must be the most intelligent, richest, perfect person on the planet… oh wait, sorry, you none of those things. your just a loudmouth. If Your So Great, show me your degree, or prove your an investment banker or advisor… no? then kindly stop trying to make your self seem important, all your doing is showing your idiocy and its not pretty. you and todd should go slam each other in a corner, and argue over which one of you is the smart one- that should keep you busy for a coupe of years

Hey Joe. I used to think like you when I was young and stupid. How about working 70- 80 hours a week and building an empire only to see it crash after you get a disabling illness or a bad back from working your ass off. Yes I too did things like pull trees down with come a longs to clear lots for my first homes to save money . I EARNED everything I lost. God will humble you no doubt. try living on ssdi and see what happens to your beautiful credit. I remember thinking, I would never go bankrupt. HA! Never say never buddy. I see your comment is pretty old. Well maybe you are already tasting the bitter truth.

If you do not know why other people have bad credit please do not judge. I saw Joe comment about people being irresponsible. I have bad credit and it was due to a divorce. I have paid most of the things, but the stain is still there. Who do you think you are to judge?

My sister had what I suppose most would consider excellent credit immediately after high school. She had a score in the 700’s and then did what I suppose many of us who weren’t born to the independently wealthy and want to be contributors to society do…she went to college…on several student loans. At first, she had two. They were small. Just enough to fill in the gaps her “full ride” scholarship left open. Evidently, if you’re going to a for-profit, HBCU (historically black college or university) and not an athlete but “brain elite” you still have around $5-$10k to pay out of pocket. Needless to say, those loans propelled her into the big leagues…her score went up to 820. Then she got sucked into what even the most frugal of us know: commercialism. She got store cards for her favorite stores, took out a few more loans and well she just got very carried away. Then she graduated with a TON of debt, found out that you weren’t guaranteed a job merely because you had this fancy framed piece of paper, and started to live off her credit cards…a mistake MANY people found themselves doing between 2008-2010. When that mortgage collapse happened, even my father had to take pause, sell his home of twenty years and move because so many people in his neighborhood were being foreclosed on. These were retired military officers who literally had their mortgage payments go from $1500 a month to $3300! They only had a month’s notice in some cases. How? The bank they financed their mortgage with, went out of business. Why? They had investment plans funded with the same banks that bet against people getting mortgages they couldn’t afford. So people who WERE responsible with their credit lost their homes because someone thought it was a great idea to bet against people’s bad judgment. Shame on them for wanting to raise their kids in good neighborhoods in good schools. They were talked into making a bad decision, and somewhere behind the scenes someone else signed off on it in the name of greed. What my sister did was dumb. She counted on being able to get a job nearly immediately after college. My dad’s neighbors on the other hand…not so much. My sister is still cleaning up the mess she made. She found out the hard way that there is in fact a point of no return with credit. After a certain point, if you pay a debt it HURTS you! It is wiser to keep avoiding it and let TIME work in your favor. Otherwise it sits on your credit as a debt that went VERY delinquent but finally got paid and now gets to sit as a black mark for another seven years from the “date of last activity”. So the system is designed against most. That’s an unfortunate truth. Just like not being in control of your life 100% of the time. I personally took a hiatus from the whole credit racket for years. Over ten actually. I got stuck on the payday loan merry-go-round, filed bankruptcy and then said screw it. I paid cash for everything I could and financed what I couldn’t. Yes. I got VERY high interest financing. I learned through other people that having horrible credit wasn’t the end of the world. Gasp! It didn’t make me a deadbeat. It made me an average American citizen. I learned, if you have enough money, you’ll get the apartment you want, car you want, whatever. If you’re charismatic enough, you’ll still get the job you want. In other words, life WILL (and does) continue. Now, I’ve got some cards but I don’t stress. I charge what I can pay my next payday. If I can’t, I don’t charge it…I save cash for it. I drive a luxury car,with a full tank of gas and sleep on designer sheets. I don’t let credit rule my life. I allow myself to rule my life. Credit doesn’t have to be the devil nor salvation. It’s just another THING that helps people other than you dictate what is “acceptable” and if you let that rule your life, you’ll lose every time.

You know what don’t point your finger and make assumptions before you know facts. Just because someone has bad credit DOES NOT MEAN THEY WERE NECESSARILY IRRESPONSIBLE!! !!! I am not going to go into details but I didn’t have the best guidance growing up and with that being said I was never taught about credit and its affects on you throughout life. So when I turned 18 I would order cds through BMG music etc and I was young and stupid with no clue what credit was and the bill got tossed to the side. Little things like that messed up my credit. I also did have some responsibility I had my own house at 18 paid rent n bills on time every month. At 20 I financed a car. 7 Mo into my payments I had something very tragic happen in which I could not work for almost a yr. That resulted in a repossession on my credit. The situation was out of my hands and I dont have a family that is willing to jump up and open their checkbook to help out. So no not everyone just said F my bills and let me F up my credit. So stop assuming and talking shit and pointing fingers cause I bet at some point in life your hands wernt clean either. If u never had hard times karma is rotten so get off your high horse buddy u never know what is lying ahead of u!

Joe, seriously, get a grip, I was once well to do, the market crashed, lost my savings, my house and couldn’t pay my credit cards, swindlers took off with our money saying they are excellent commercial real estate agents, they sold us the most horrendous buildings, lied to us and did not do their fiduciary duties, it sucks for me that my credit was totally damaged and couldn’t get any cards, slowly, Iam building back my credit and my life, unfortunate circumstances do arise and to no fault of ours, so don’t pull that shit that people should be responsible, they were responsible to get the card knowing they can pay for it, we didn’t ask for these unfortunate happenings. When you start talking down about people and how they should be responsible, be very careful what you say, Karma does it and its mean

Todd I have to reply to you. IF your credit is so prefect and you are so responsible why are you on a forum about credit cards for people with bad credit. Wow, you must be really bored and have no life if this is all you can find to do.

I found out that WalMart will only approve you with fair credit, which is 600 or over, so if it’s below that, don’t bother. My credit right now is 550, and I’m going to go the secured credit card route until it’s over 600, then I’ll apply for a WalMart card. I don’t want cards for places that charge high prices for their items, because I’m very frugal. I don’t shop at department stores, and I can’t tell you the last time I was in a mall. I’d really love to eventually get a Lowe’s card, because they have these special offers where you can buy things and take up to 6 months to pay with no interest. I can’t get Capital One because that’s one of the cards I defaulted on when I lost my job years ago. That place is horrible! When I defaulted, they started charging me late fees that took me over my limit ($500) and then charged me over-limit fees on top of that. I paid off the $500 + 2 months of late fees, but they wouldn’t close the account, kept piling on fees, and now I have a credit report amount of over $1,000 which is ALL FEES, because I paid off the balance. They did this to so many people that Congress passed a law prohibiting credit card companies from charging over-limit fees for amounts that were caused by late fees. They also called me 8-10 times a day threatening me if I didn’t pay them, even AFTER I paid off my balance. I had to change my phone number. I wouldn’t ever have another Capital One card. Be very careful of them.

I agree, they are just a scam, they dont want to help anyone repair anything, then they try to badger you.

Many of the banks have secure CC as well like US Bank, Wells Fargo, and Bank of America to name a few.

Try Kohls, my FICO is a 609, and I was approved for a Capital One Platinum and a Kohl’s card. The limits were small, 300 a piece but I am hoping over time they will help me build my credit.
My credit score is low due to medical bills, Breast Cancer even with Insurance is costly. Praise God I beat it, but now it’s a battle to take care of these medical bills and get them off my credit. They say “don’t worry about those if you pay them something every month it won’t go on your credit” WRONG! They could have cared less that I had Cancer and when I couldn’t pay them what they wanted every month those bills were ruining my credit in as little as 90 days.

try loft mastercard and good sam visa. I got approved for 1000 on each of them with a 550 credit score. there backup by comenity capital bank.

what was your credit utilization though?

I got a Wal-Mart store card and my score is not 600 (according to credit karma). Old Navy and Amazon Prime too. The lowest limit is Old Navy at $200. Highest is Amazon at $800. I did the online application on a whim last night and got all three. They’re all run by Synchrony bank. I’ll probably try Macy’s next month. VS is my Achilles heel.

I agree. I’m trying to establish credit but I’ll run from capital one. My husband and I had a capital one card years ago. We were initially given I believe a 200 limit. We used it for groceries one time in the amount of 213. So therefore it went overlimit, which we were charged a large fee for. Then while trying 2 resolve it our payment ended up being received 2 days late and we were charged fees. Then it just became a vicious cycle month after month being charged both overlimit and late fees. After a few months the bill had accumulated over 500. I called them again and decided to pay it off in two payments, one that day and a couple weeks later I’d pay the balance. They processed my payment and the woman assured me I wouldn’t incur any further charges due to our arrangement but sure enough about 3 days before I’d have made payment onf the balance, we received our next bill which reflected the payment I had made and once again was charged both of those fees. Needless to say I threw the bill in the garbage and never sent them another penny

U can most definitely get capital one again. That is the most forgiving cc company in the world. I messed up with them 3 times. A platinum card, then a secured card, then another secured card. All 2 years apart. Now with a score of 510 they approved me again for the secured card and a GM world elite mastercard instantly approved $500. I was crazy surprised. I’m rebuilding and thinking about bankruptcy to help. I treat my cards like gold. I’m not overspending and I am on a savings spree. U need to apply for those 2 cards cuz I was denied for every card the same day then those were approved very easily. I haven’t seen anyone denied for the GM card yet and I read many forums. Try it. U will get approved!!!

I have bad credit it’s 515, where can I get approved for a credit card

Capital One prequalify. And then capital one GM card after that. They will both approve u. Also fingerhut. Be careful though cuz they can make or break your score and history. Read about them. Just make sure u don’t default on neither of them.

I am 32 and have no credit at all never did I’m self employed now was a stay at home mom from 19 on didn’t worry about it I was married he took care of everything honestly controled everything as far as money bills and everthing else divorced now what do I do to build my credit without just the prepaid cards I have been denied for the no credit ot low credit cards

I was in a similar situation I had applied for at least 20 different cards and then I finally got approved for Capital One Platinum $300 cedit line. Its a good start and after paying the first 5 payments on time I was raised to $500. The more you pay on time the more they will raise you limit. Hope this helps

My score is in the low 600’s. I found it very easy to get approved for credit from these “online only” stores: Figi’s, Fingerhut, and Montgomery Ward. As far as credit cards, I got approved for two Mastercards (Quicksilver $2000 limit and a Platinum $1000 limit) from Capital One. I also got approved for a Visa ($400 limit) from Credit One Bank.

Having work for Figis and Montgomery Wards our companys rarely reject anyone though we recently have started asking for down payments

Today I applied for some cards. For reference, my score is 590, my annual salary is 78,000. I applied for Pier One, Victoria’s Secret, Nordstrom and TX Maxx because I shop at all of them.

Pier One and VS use the same bank (Comenity Bank). I was approved for both, $350 on Victoria’s Secret and $500 on Pier One. I have been told that New York and Co, Express, Modells, HSN also use Comenity Bank, if those are more your style.

I got declined for TJ Maxx so I didn’t apply for Belk. TJ Maxx and Belk both use Synchrony Bank (“SYNCB”), as does WalMart. (I already have a Walmart card but it only has a $100 credit limit so I don’t even use it.)

Nordstrom turned me down.

Massey is easy to get and K-Jordon is to also try Midnight Velvet and Seventh Avenue and The Swiss Colony and Monroe and Maine. and Marisota . and Simply Be.

I have basically all the ones you have listed. they don’t report to the credit bureau. It only gets reported if you go Jojo collections. That’s y they are super easy to get. K Jordan is comenity if I am thinking correctly so they do report. But it’s a hard fact MV & SA report nothing. Hth!

Thanks! I qualified for pier one and VS, too!

Hi! my cs is 606 and after reading everyone else’s positive experience I decided to apply to Macy’s, VS and finger hut. Even though I tried applying for all 3 numerous times in the past and being denied, I was finally approved for all 3. Low credit limit but that’s ok, it’s a start !

Thank you for posting this. I applied for Victoria’s Secret card and got it. This is so exciting. : ) I am going to get a secured card through my bank too. I have no open credit cards at all, so I was really surprised I was approved.

You people are nuts. Do you seriously think that your problems are solved by having a wallet full of credit cards? Even more idiotic is paying a monthly fee for a card for nothing. Focus all of your efforts on paying off your current debts and not going further into debt. Don’t apply for anything. Once you have your debts paid off and have cash in the bank, then worry about credit. If you are smart about it, and work hard at it, you won’t need credit.

So Todd… r u saying you own everything you own now with only cash… car. Home. EVERYTHING… I doubt it… you can work as hard as you want but not everyone can pay cash for everything. Your very wrong about the cards listed here they have no monthly fee.

What an uninformed, misguided post. Apparently, you don’t know that much about credit yourself – and yet you are calling people “nuts” and “idiotic”. 1) Even if one pays off the current debt that they have, it still stays on their credit. As a matter of fact, if you pay off a debt, they can extend the 7 years of reporting because originally they are reprting 7 years of debt, but when you pay it off, they report for years after the LAST PAYMENT. and 2) some people don’t have debt, they have NO CREDIT and are looking to build credit. If you don’t have anything helpful to share, please share nothing.

Actually paying off accounts that are in collection will not raise your score more than getting a few cards will..Personal experience..As a matter of fact ive been told by a few local banks that paying off an account thats in collection will have little to no effect in raising your score..Got that Todd!

Todd and Joe I want to know what the hell you’re doing on here if you have great credit scores. And if you don’t then you’re obviously not looking for a credit card since you’re working hard to pay off your debt. If you have nothing positive or helpful to say then leave this site and start writing an opinionated blog. Thanks!

Todd, you cannot tell someone what they need to worry bout, etc. damn

Todd, you need an education in credit. Having a credit file is necessary today. For buying or renting a home, buying \ renting a car, getting a job, etc etc. Pay your debts down, don’t use over 30% of your available credit. Yes, the bad stuff will still stay on your report but you will be re building a new & better credit file. Learn how to make credit cards work FOR you by using the rewards & cash back offers. Once your credit improves you can apply for cards with lower APR’s and NO annual fees. The key is to pay off most of the balance each month to avoid paying the interest. The banks get rich by the annual fees, interest & penalty fees. Don’t let them take advantage of you when your credit isn’t great.

Got some comenity credit cards but can’t get a proved for store mastercard

Express store card is a easy card to get

I have a score of 587( credit karma) I applied a couple weeks ago for a capital one platinum card and was approved for a $300 limit. I have a total of 4 inquiries on my report so I’m afraid of applying anywhere else if its going to negatively affect my credit. Should I go for another one or wait for this card to improve my score on its own. I’m paying off my car in July and really want to buy a home in the near future.

I’m climbing out of my situation myself. After speaking with Experian & Transunion representatives they gave me some good advice. Capital one will allow you to have up to two different cards. I learned Kohls & SamsClub also do financing through the same company Capital One works with. Credit One was recommend through Transunion and I was approved for $400 and 40 days later they raised my limit another $200. Just remember appling for all these credit cards will be a hard hit on your credit and your rate will drop but once they start reporting your ratings will start climing fast. You can dispute the double inquiries from capital one. Experian & transunion removed the duplicated entries for me. hope this helps

actually you can have more them 2 capital one card. i currently have 6 all from capital one.and more from other commpanys

Just keep your capital one to 10-30 % and you will see an increase in your score. Don’t apply for all this credit and try to clear up the inquiries. Since you have 4 removing those will at least bring your points up by 20. Also, Im not sure why your credit score is 587, but if it is for late payments, start paying on time and you will also see an increase in your score.

Me and my new husband have been previously married before and lived mostly a cash life. I was a widow and he was divorced. So we don’t have any credit card debts right now. We each wNt one . but with benefits and as after we pay off the little bills we owe on our credit history’s , we plan to apply for a home/land package deal. Its like we are being penalized for not having a credit card. Should we wait though??

I honestly have some great advice, you may need some money but it is the best way to build your credit. You can definitely go get a store credit card but a Wells Fargo secured card is the best way to go you don’t need any credit to get one just an account with them which you can set up. You get this and spend 10 dollars a month or less and you pay the complete balance every month on time. Or with a store card do the same. Just a small amount a month and pay it off. Don’t believe the lies that you have to spend a certain amount or that you need to roll it over. I did this for 4 months and my score went from non existent to a 740.

Meagan I totally agree with you since I too had a Wells Fargo card and it helped raise my score tremendously within 6 months.

My credit is 545.., as of CreditKarma

I Applied today for fingerhut and got approved..

Applied, Kohls and VS and it said wait 7-10 days for approval letter. What does this mean?

It means you are not automatically approved or denied. The approval department just need more time to look over your credit. If you get approved you will get the card in the mail within 7 to 10 days and if denied you will get a letter in the mail within 7 to 10 days explaining why. I hope this helps!

Thanks.. I did get 2 denial letter already!! lol so not funny tho

It means you were denied and they’ll let u know the reason in 7-10 days. I work at VS plus I have terrible credit I get denied everywhere I have tons of those letters lol! I’m in the process of paying my debts now though! Hope this helps good luck!

I actully got the credit cards. I had to call in and verify information . I assume because I applied for so many within a two day window they thought it was suspicious. After verifying the info I was issued the credit cards. I’ve read that if you get the denial then you’re not approved. Hopefully this can help someone else

it means you got rejected.

The letter means no you are not approved.

I used to think that it meant that you were denied as well, however, that is not always the case. Once I applied for a Target credit card and received a message that it would be a decision in 7-10 business days, and was surprised when they called me to verify information and told me that I was approved. Also I applied for a capital one card a few months ago and was told 7-10 days and I received a letter in the mail but it was a letter telling me I was approved. I was very surprised. Therefore, the wait doesn’t always mean it will be a negative result.

The shopping cart trick worked for me. I tried for Walmart, Penny’s, TJ Max and Lowe’s within the same day. The following day I did it to Brylane and Victoria Secrets. I was approved for them all within a two day window. I also tried it for Express and Babies R Us but got the 7-10 letter which doesn’t necessarily mean denial.I’m praying they see my good payment history on my 2 Capital One, Merrick Bank, H&R Block MasterCard and Credit One credit cards. I started off with the Capital One secured with $49 down. I made another $300 deposit bring my limit to $500. I would purchase items and pay bill within the month. After doing this for several month’s I started receiving preapproval from the abovementioned cards.I also have a car loan through Capital One. I credit it all to Capital giving me my fresh start after a divorce two years ago.

What is the shopping cart trick?

Comenity banks try them

Hi, what is the shopping cart trick?

I ruined my credit when i was younger (18) I’ve spent forever trying to fix it and I always get the run around when i dispute things. I went from a 438 (in the last 2 years) to a 585 on credit karma. I still have 2 open collection accounts that I am working on but no one will approve me and I’m also nervous to apply due to the hard inquiries i have. I want to keep rebuilding my credit what options would you consider dept store accounts for someone in my situation. It’s been 6 months since my last inquiry which was for a car loan.

Capitalone is a good card to help rebuild your credit. If approved and when your payments become due make more than the minimum and make the payments on time. This will help boost your credit as well as getting an automatic increase. I hope this helps!

I was denied for a Capital One Secured card.

If you have a good work history. Try JB Robinson and HHGregg.

I too was denied their secured card then called on my own to plead ny case and they changed their mind. It doesn’t hurt to try.

Thankful for this site and will use my new department store cards wisely. For military members (present/past) and their family members, USAA has the best secured AMEX and Mastercard. For department stores Kohl’s has easy approvals.

My credit was horrible…I got a car through wells fargo July 2012..In February of 2014 I got a instant approval for New York & Co and was approved for $300..Took the offer because I wanted to start getting credit..Comenity Bank approves their credit and I start applying for most of their cards and was approved…VS,loft,express,modells,hsn,pier one..etc..Now I have 2 cards through Capital One and my CL keep going up and it hasn’t been a year yet..I also applied for Macys and Bloomingdales and got approved for them as well..The only problem I have is now I have all these inquiries on my credit and it is making my credit score around 585…I only use my cards when necessary..I am using them smart this time.. Equifax credit score: 635
Was just approved at Kohl’s $300, Victoria’s Secret $250 and Macy’s $100. Target said they would reply within 7-10 business days which typically means I won’t be approved.
I have a Capital One Quicksilver with a $500 limit, that used to be Orchard Bank, Discover Platinum rewards with a $300 limit and I have had that for years without a single credit limit increase. I need to do something else to improve my credit. I have been paying everything on time but still suffering from bad decisions and lack of realizing the importance of credit when I was 19-22. I am now 31 and would like to buy a house with my fiance but I know he is better off to not even have me apply with him. Any suggestions?

I just got approved for $600 Walmart! Yay, my 1st store card! I have a 599 CK/602 and 570 EQ. Rebuilding. Cap 1, $1K limit for 3 years, 1st Prem $300 limit, 1 year, Blaze MC $350 6 months. Car loan in June with Cap 1. No late payments just have some medical collections (6 – 8). Good income just hard to overcome those medical collections. Great advice here!

Applied at JCP and was denied. Called in for recon, spoke to a manager and was told they will not reconsider the application for any reason. Even though I explained I have 3 years of credit card history with no late payments, low debt to income ratio, low utilization on other cards and high income he said they will not reconsider an application after it has been denied. He said I can reapply for reconsideration but I will not be reapplying anytime soon. He did say maybe try applying in store next time.

Was Walmart instant decision or did they need to get back to you?

IVE LITERALLY applied for EVERY SINGLE DEPT store/credit card mentioned… I cant get Kohls,walmart, jcps,sears,vsecret, NOTHHHHING.. My sister ruined my credit before I was even 18 and I cant fix it without paying 20 grand.. Help ANY STORES LEFT 🙁 ANNYONE out there like me??

worst credit ever

Game stop

I fixed my credit by opening a Fingerhut account. If your credit is bad they start you with a Fresh Start. You pay a down payment and as long as you make your payments on time and pay it off they graduate you to a revolving account. The good thing is while being a fresh start customer they report to credit bureaus. The company has high priced items but it builds your credit!!!! Now 3 months later, I have a Kohls, Macys, Target, and 2 major credit cards!!!! So try Fingerhut, I was just like you!!! Good luck!

Good to know. Thanks for sharing. I am determined to get back on track in order to purchase a home within the next year

I know how you feel! I had the same problem and I had to go bankruptcy and now I have 2 credit cards with Capital one. which I applied like 3 months after bk took effect the two credit cards i have with them raised my credit (with in 6months) to $3k one and $1.5K the other one. maybe that can be a solution for you. talk to a lawyer and see if BK can work for you! I call it a Reset button!

maybe Fingerhut. They are good for rebuilding credit. Make sure you pay on time and don’t go overboard with purchasing too many items if approved. If not capital one secured credit card will help rebuild your credit but they require a minimum deposit of $49 -$200 depending on your credit. Best Wishes, and be very careful with your finances im still learning too.

Hey! I kind of had the same problem. except I just plain didnt have credit. I applied to almost everywhere but I was getting frustrated because no one would let me get a card because I had no credit. I thought how can I build my credit if no one would let me…. but then I applied for a Capitol One student card. I was approved with a $300 limit. It may not be a lot, but its something.

Why not go to my free credit and dispute the items she put in your name all you have to do is explain to them that you were not even of age to get them and that it wasn’t you that messed up your credit . hope that helps you megan 😉

I had my sister ruin my credit when I was 18, I got a credit repair company to dispute a lot of the charges and started from there. if there are a ton of things on your credit you need to get them off first before you apply for new credit. I think its just a matter of disputing the credit bureau reporting, which you can find the verbiage online and send them off yourself if you can’t afford to hire someone to do it for you.

First what I would do is to write creditors a letter also asking for removal of the debt as it was fraudulently made without your consent, tell them your sister took out credit in your name, and ask them to verify the debt, and if they cannot then it is not a valid debt. They have 30 days to reply. If not valid then they must remove from your credit report. There is one that may approve called Horizon but is a online store with a monthly fee, items to order are limited. You might want to try fingerhut as they have more choices. I would really work on the debt to have it removed with not being your mistake. If not what I would do with a really high debt as not being your mistake is file bankruptcy. No credit with a high debt is not good. Your chances for new credit after are more so with no debt. Then you would apply for cards for limited/no credit. At least you will not have to worry about the debt remaining for longer than 7 to I think 10 or 13 years if you file. If you file you can also have debts except such as your home, automobiles. Means you file but exclude those so they are debt you still have, you will not lose your home if paid for, or other items of value. Not easy, really need to think about if you want to keep this debt and have no credit.

I would apply to a credit union or local bank and open up a secure credit card for $500 (Visa and MC Secure Card) and make sure they report it to CRA’s for utilization purposes, keep it below 20% or less. Use it for six months, that’s if the rest of your credit is in good shape.

Start with horizon gold. They report to transunion, they have monthly annual fees of 24.95, you will receive a $500 CL to there store, if your disciplined and don’t use it, it looks good for a start of trying to repair your credit. My credit is slowly rising and I started with horizon gold. I get monthly reports of no missed or late payments on my report each month, I suggest you get it and don’t use it just pay the 24.95 on time every month, trust me it only helps, it shows your a responsible card holder. I’ve had mine 9 months already rose 72pts and am just waiting 15 more months till my inquiries vanish before applying anywhere else and with the help of horizon gold my credit will jump 100pts and continue to rise.
Slap that sister of yours…. just kidding. Hope it helps.

Horizon is a big scam with high monthly fees to crap you would not buy in a dollar store. How seriously bad is it? Their phone department consisted of an adapter. You can repair your credit a lot cheaper than 25.00 a month and thats for no purchases at all, not that you would want to buy anything they sell on their site. Go check it out. It’s really that bad. If you get the Horizon card you are getting ripped off.

Just be patient, the 20k will disappear after seven years or so.

Try getting a cpn number..Google it on youtube

File for bankruptcy

Megan, applying for a lot of credit/charge cards HURTS your credit a lot! They are called INQUIRIES and they lower your score dramatically especially when you do them back to back! They stay on your report between 2 and 3 yrs. Also creditors look at the fact that the last person you “inquired” about denyed you and that’s a big factor in them denying you too. Try piggy backing off someone who has established good credit by becoming an authorized user on THEIR cards. They don’t have to actually give you the card when it comes in the mail they can keep it, but what happens is, all of the good credit they have will be reported on your report. Also try getting a secured card with a major bank like B of A or Wells Fargo. But don’t get over 4 cards as they will seem like you have too much “open” credit/debt! Hope this helps

You are giving out inaccurate information. You definitely want to have multiple credit cards if you are to have a good score. For the best impact on your credit score, you need over 9 credit cards, and maintain your total utilization of 30% or lower. For example, if your total credit limit for all cards combined is $10,000, you want to maintain less than $3,000 owed each month. There are other factors that impact your credit score as well. I highly recommend Credit Karma, as they break it all down and explain why.

have you though about ch.7 its a fresh start i did it 2 years ago and my credit score is now a 740 with a 715 fico score start off after with some line of credit like a secured credit card and go from there it will help i now have about every account i will ever want i have a walmart,3 capital one, lowes,discover,barclay,cabalas,sears,truck payment, car payment, furniture store ect the secret is to never carry a balance charge it pay it charge it pay it thats how i got so many lines of credit. Good luck and hope its some help for you

Everyone who is having trouble getting approved for a trade line, you are almost guaranteed approval with Crown Jewelers. go to their website and wait for as little as 2 hours up to tomorrow to receive up to 2500 line of credit. DO NOT USE IT!!! Let it sit as a trade line. It reports to all 3 credit bureaus. IF you have no history at all, you might use only $50 (NO MORE) and pay off the purchases over the course of a few months. But, in general, do not use new trade lines/new credit accounts if you have anything that is already reporting positive payments or that has not gone to collections and you can get that account caught up. Either way you’d have to have 12 consecutive months of on time payments for your score to go up. If you can do that by catching up a late account then do that instead of using any new trade lines. The new trade lines will help decrease your credit utilizations rate. You also want to reflect that you have accounts that you don’t need. Using all of the accounts shows that you cant afford to make purchases solely from your income and that you NEED credit. This makes you a risk. Pay as many accounts off as possible through the original creditor as well, then dispute the collection company off of your credit report after paying the original creditor. If you have unsecured no fee accounts through Walmart, Barclaycard, Discover, Capital One, etc PLEASE PLEASE PLEASE don’t screw them over!!! If you are late, catch them up quickly. Some of theses creditors will be hard to get credit through again in the future even with a good credit score if you mess them over, like the Barclay credit card for example.

I’m no credit guru and I’m working on rebuilding my own credit which has suffered due to recent financial hardship situation that put me nearly 4 months late on everything. 7 of my subprime accounts have been closed, including my $300 limit Macy’s card – which was the only sore spot for me because I like shopping there for kitchen items, and their sales are RIDICULOUSLY a steal. 🙁 I’ll try them again once I’m back on my feet. My goal is to pay these 7 account off before they are sent to outside collections… Internal collections is one thing, but once the original creditor sells your account to an outside collections agency, the creditor might not accept payments from you anymore. That’s what I’m working on now, even if I can only pay $5 on each account, MAKING AN EFFORT will keep the account with the original creditor. Don’t ignore phone calls. even though they wont reopen the closed accounts, the card will show PAID IN FULL if paid through the original creditor and you’ll be able to get another card in the future! There’s light at the end of the tunnel. It’s better not to use credit/trade lines at all unless you are trying to build in order to get a house. But if you get trade lines, I’ve learned that I should not use them if I don’t have the money in the bank to pay the balance in full when I get the bill. Since I have found that life’s surprises don’t afford me the ability to do that, I’m not using anymore cards. Paying my car and student loans on time are good enough. I’ll just pay down the balances on all of my current accounts, and pay off my closed accounts, and I won’t use any of those cards again until I am in a better place financially.

Kendra crown jewelers does not report to any of the bereaus I had them they used to report but stopped o asked them yesterday and they stopped years ago

What credit cards can i get with 569 credit score? I keep trying for some and dont get approved and its looking bad on my report! Please tell me which ones are easy…..i already have kohls

When I first started in early 2013, I had only one from Capital One that I received in 2012. The Quicksilver card is by far the easiest to be approved for. I then applied for Macy’s, Walmart, Kohl’s and was approved. Right now my credit score is low but I applied for a Target card and was approved. I also have high utilization but was still approved for Credit One also. Today I was just approved for an Exxon/Mobil card. Hope that all helps. Don’t apply for too many more because that will affect your credit somewhat.

The best ones to try are the ones affliated with Comenity bank such as Victorias Secret, The Limited, Stage stores(Bealls,Palais Royal, Goodys), Abercrombie and Fitch, pretty much many of the mall stores. They only start with a $250 limit tho but its better than nothing Also try Nordstrom, they are pretty bad credit friendly as well as I filed a bankruptcy a few years ago and got approved for a $500 credit limit on the spot a few months ago.

Horizon may. Online store only. Your going to have a fee each month of $20 plus their items are limited to little items to buy. They offer other services.

GM card and capital one secured or even platinum if u haven’t had it before. They will approve even if you have a 501 score. I should know cuz that was mine when I applied.

I’m 20 my credit score is terrible. My first card had to go back due to me being able to use it and I could not get my money back , then I’m behind on my student loans. I can offered a credit card… Any suggestions?

I have my store with shopify , the thing that I enjoy more is the fact that the service is amazingly so easy to use not to mention they actually havemonthly payments plans that let me grow up with my business , when I was selling 20products I actually did spend a lesser amount , then when the business wasescalating I begin to paid more, but my shop was doing considerably better . I started for free i share you the link click it or copy:

Has anyone been approved for Milestone MasterCard? Seems like a great card for bad credit, 23% int and low annual fee, no processing fee.

yeah Ive have this card for over a year now. Low credit limit 250 and they do not offer credit line increases. They do not report to Trans Union however they report to Esperian and Equifax.

it is a good card but they usually don’t offer a credit line increase

I thought Credit Karma was nothing but BS at first. What peeked my curiosity was one of there emails read my Credit score with Transunion was 640. My husband and I filed BK chpt 7 a little over a year ago. My score had never been that high because of My husbands choices affecting my credit. I’m a stay at home mom with a little jewelry business on the side. more of a hobby. Anyways. I checked into Credit Karma more and looked at there Recommendations of what credit card would best work for me with my credit history. So I applied for the Capital One Quick Silver and was Approved for $300, then two days later, I Applied for a Capitol One Platinum was Approved for another $300, Then I applied for Kohl’s because I read they work with Capitol One.. and was also Approved for another $300. I am so Happy to be able to start rebuilding my credit even with these low Credit limits of $300 each. We have to start some where. I will stop at these 3 cards for now. Also, I was denied a Discover Card after Appling for the Quick Silver but that didn’t stop me. Good luck to you all.

Update: last week I applied for another credit card recommended by Transunion with (Credit One) was approved for $400 CL. Also since I’m working on establishing my credit I called Experian and spoke with a representative he took off some inquiries while I was on the phone with him. He said I could call or email the other 2 reporting agencies and ask them if they would delete 1 Capital One inquiry even though I applied for 2 separate cards. I was lucky and got a representative that wanted to help me.

Update: The (Credit One) credit card I applied for and was approved for a $400 CL. They raised my limit with no charge to $600. after having them only a month and a half.

Yes, I agree about Credit Karma. Thanks to them I finally feel like I at least understand what I need to do to get my score up. It use to be a big mystery to me… and CK is a completely free service which I find amazing.

James Williamson

Credit score around 585. Got approved for j crew 250. Dress barn 250. Firestone 800. Victoria secret 250. All today

Thanks for all the helpful information on this site. I was very skeptical because I just came out of a BK. But today I was off sick and I thought I would try it. I applied first for a Sear Card and the response was they would have to look in to it further. A little discourage I went on and tried for a Wal-Mart card and got approved for 600.00. I also have been recieving the fingerhut and all that pre-approved cards. Will that effect or bump down my credit score. I am not using those cards. I want to rebuild my credit; not get in over my head again.Thanks for sharing and being a great place for sound advice.

get Fingerhut it boost your credit bigtime if you constantly make your payments on time they will increase your spending limit I have been with them for 16 months and I have an 1800LOC

Yes, you can pay for something from FH like a Nintendo DS XL for almost 300 when you can pay for it at a store with cash for 160. Why would you do that? Do you need it that bad?

My experiences with dealing with credit is always try to only charge what you can pay off when the bill comes in the mail.This will save lots of intrests and make sure we dont over extend ourselves into a lower score or put ourselves in a unwanted situation.Lower credit utilization is great for your score.I have had to learn over time what is best and this is what i am trying my best to do…good luck and never give up their are always someone who will give you a second chance…

It is SO hard to get approved for this card.
I worked there part time for five years and had many people apply and only a handful get approved. And the APR is outrageous. I was shocked to see this card on the list.

They are also terrorist if you end up behind or in collections. I had one guy actually call me a loser and a bad father for not paying my bills. I had to file a complaint with the state. Stay far far away.

I was skeptical about some of the info on this site, but I figured I would try for a store card. (Credit Karma score 618) So I applied for both walmart and amazon. To my amazement I was approved for both, $600 CL…..Thanks to you all for your honest info 🙂

Wow! After reading the reviews I decided to apply for a Cap One Quicksilver card as was recommended to me by Credit Karma with my TU score at 650. Immediately got approved for a $3000 limit! In August this year I applied for my first card with Cap One and received a CL of only $200 but my score was also a bit lower than. My Chapter 7 bankruptcy was discharged April this year. Thanks everyone for sharing your stories that inspired me to give it a try. That’s 2 down and all I need is one more revolving account and I’ll be looking good to purchase a home w/in 2 years!!!

Mr Howard, you might be surprised to learn that you should easily qualify for a FHA backed loan with as little as 3.5% down with todays interest rate just under 4%

Talk to a few lenders and ask about the Back to Work program.(you can be employed, ask a lender). Look at this excerpt (updated 11-21-2014, so it’s fresh):

The minimum standards of the FHA mortgage guidelines are straight-forward. Some of the more well-known rules require mortgage applicants to show a minimum credit score of 500; to make a downpayment of at least 3.5% on a purchase; and, to verify income via W-2 or federal tax returns.

See the full article here:

Ye have not because ye ask not

In the process of rebuilding my credit. Some really good info on this website.

You CAN apply for credit DURING your bankruptcy. I was approved at first premier and my husband at capital one. Both with $300 CL

I filed chapter 7 a little over a year ago my TU is 627. I have a Walmarts $500 Pay Pal $300 Capital one $300. Fingerhut $300. I tried for target and got shot down how long does it show on my credit as an inquiry? and how often do you apply for a different card/credit?

I also tried JcPenneys and sears and got turned down.

I have 650 score and was turned down on both as well.

So was I walmart JC P. Sears all turned me down. I wonder if it has to do with having a bankruptcy rather than having just bad credit I filed in 2010 and I have CC’s Mortgage no late payment Car loan but Dept. stores wont give me credit

credit inquiries stay on your credit report for 2 years.

2 years. luckily if i you do many in a short period of time it will usually, not always, but usually be seen as one. typically don’t let yourself go over 6 and it should be fine at least that’s how it has worked for me

Ok, I am newly out of bankruptcy. Filed a Chap 7 due to insane medical bills. So far I am down as far as my credit. I am looking at a 575.
I have an auto loan thru my credit union, I got it at a 1.92%
I also have a loan with them for 1020.00 at 4.2%
I have A Cap One Quicksilver with a 3k credit limit.
I am annoyed because no one else will give me credit. I am trying to show revolving credit for a home purchase. Any ideas? I keep getting denied for loans and other cards. What is the problem I am having?

Apply for a Kohls card…I was approved 6 weeks out of Chapter 7…They are connected with Cap One, but it is a dept store card…

I have bad credit some collection! But still I have 7 credit cards but my credit score never go up! I can’t pass the 600 credit score! I had been make the payments on time never late but I don’t know what’s happening!!! Can somebody help me!!!!!

the two BIGGEST ways to bring up your score is paying on time and keeping your balances low. My score changed 40 points just by paying my credit use from 100% to 48%. I have been playing with my score for 10 years. length of credit history and amount of credit are also score raisers. the score trickles up or down just a couple of points with inquiries which you should keep under 12 and they fall off after 2 years. hope this helps.

new cards lower your credit age which can hit your score. i dropped about 20-40 points when i opened a new card before. i’m just now recovering.

What store credit card can get with a score of 605 with three negative on my credit report. Thx

WalMart, Fingerhut, and victorias secret!

Victoria Secret, I applied with a 607 CS and got approved instantly.

My credit is the worst of the worst and I am never going to apply for any more credit cards. All of my previous credit cards went to collections and were sold to collection agencies. Every one of those collection accounts have been through 10 or more collection agencies and each one is on my credit report. Had credit cards with Captial One, HSBC (2 accounts) and was trying to rebuild my credit and stop paying due to medical bills, now I have student loans in collections and owe close to $25K on them. Plus I have been unemployed, I will never get my credit together and have learned a very valuable lesson. I have to pay cash for everything, could not get credit to purchase a pack of gum. Plus I will never be able to purchase a car nor a house. This is a good site, but there is no hope for me.

YOU CAN FIX YOUR CREDIT!!!!! Go to and ask for help. You are not stuck forever.

Aloha. It was very interesting to read the above comments. Particularly because I’m in the same boat. Like many others I have also filed for Ch7 bankruptcy; twice. One about 8 years ago due to a bad divorce and another one recently last year due to stupid financial decisions, obtaining a lower paying job, and an unsupportive bf of broken promises and got me further into debt. You think I would’ve learned my lesson after my first divorce and after my first bankruptcy? Nope. Anyways, my credit score is now 657 according to Credit Karma. This is accurate with Trans Union but the score is much lower with Equifax and Experian. I don’t know about you guys but I have this crazy addiction of applying for credit and then being upset at myself because it’s another hard credit inquiry that just did more damage than good to my credit. And of course, more frustrating when I don’t get approved. To confess, I have had 22 hard credit inquiries in a year! I have a VS, Capital One, Firestone, Kays, Target, and Barclay credit card. I think that’s more than enough. The problem now is trying to refinance my auto loan. Purchased a car with Consumer Portfolio Services (customer service there is poor) and at 20% interest really not putting a dent in my loan but more like holes in my pocket. Tried refinancing with local credit unions but no luck. I don’t want to file another 3rd Bk so really really have to practice restraints with inquiries, obtaining more credit, and try to bring my debts and interests down.

try capital one to refinance your auto they have lower rates and will probably refinance a 657 score lower than 20 percent

Credit One Bank is a great card to use. They will increase your credit limit over time. Capital One and First Premier Bank are also good. As for Dept Stores, Old Navy, JC Penny and Amazon are a little easier to obtain.

Once you get the cards, pay them on time, try not to run up the cards to their limits (30% or less of the limit is ideal) and stop applying for credit! Those “inquiries” stay on your credit for 2 years. Good luck!

Try State Farm Insurance…they are refinancing cars as of this past year and they got me from a 20’s% to 9% interest rate on an under water used car.

It took sometime to clean up my credit and I am still building.
Credit Score start: 478 from Bankruptcy Now: 615
Navy Fed Cash Reward Visa $6000
Capital Quick Silver MC $1000
Kay Jewery Store $5100
Discover Student $2500
Nordstrom $500
New York & Company $450

Navy Fed brand new car loan $24000 1.83% interest
Start off with a credit union this is how I did it; and use 10 – 20% of my credit cards and pay off my bills every month.

Good for you Tracelle! I’m trying to do the same thing. Thanks for the tips!

I have gone to several credit unions to see about getting some credit. My bk is over a year discharged, my score has gone up over 100 pts in this year, I have a handful of low limit cards that I rarely use, but pay faithfully on time – and a car loan I’ve had for over 6 months. Every credit union I have talked to says because of my bankruptcy I am disqualified for any of their loans. I REALLY want to refinance my car, and really wanted to go with a credit union because of the stories I’ve heard, but I am not having the same luck!

Hello. I too filed bankruptcy and now have 2 Capitol 1 cards. I need to work on getting these inquires down the more you apply makes creditors think you’re desperate and they tend to deny you because of that when you’re only trying to get credit to rebuild it.

For Navy Fed, you need to have an account in their local branch? ans could anyone open one, or dedicated for Vets

I ruined my credit when I was 18-20 years old. Loans and a couple credit cards I never paid off. Also a sprint account that went to collections. I never knew how important credit was till now. I’m 27 years old. My credit score in January 2014 was 530. I decided I needed to find a way to build credit. I applied for the credit one card and got preapproved on their website. Started with a CL of 300.00… Yes they have high interest and have a really bad reputation. You have to start somewhere. 2 months later I applied for Fingerhut got approved for 300 dollars. Use my credit card in emergencies and make big payments every month to keep up with the interest. Fingerhut only took one item out and made small payments every month. My Fingerhut CL is now at 1000 dollars. And just got approved for a Capital One Quicksilver CC with 300 Cl. My credit has gone from 530 to 640 from Jan to now Sep. Patience, Time and self control with help improve your score. And dispute all items that at least 5-6 years old. They will be removed if you try hard enough. I’m hoping to be in the high 600 to low 700 in a year to apply for a house. Hope this helps anyone out there who is struggling and sees no light at the end of the tunnel. Keep going and don’t give up.

Good for you Angel! You’re headed in the right direction:-)

Score is 579 (filed bankrupcy 2 times in my life).
I have the following in great standing credit now:
Fingerhut $1000
Macys $2500
BonTon $800 (limit just increased within 3 months of having)
Kohls $500
TJMaxx $300
Verve $750
Barclay $750
Roamans catalog $300
OneStopPlus catalog $300
KingSize catalog $500
First Premier $300
Raymour&Flanagan Furniture $3000
Seventh Ave/Swiss Colony/Ginnys and ect. I could go on and on.



Seventh and swiss colony do not report positive history, but will report any negative.

Good for you Kim! Glad you got back on your feet personally and credit wise:-)

That is really good advice Kimberly! Glad to hear things are better for you:-)

I strongly agree with your comment regarding the separate accounts. Somehow though, I’m torn between your thoughts and this.By having separate accounts in case of divorce, you setting yourself for plan B. Is there really an ability to focus on plan A as long as plan be exist? How many of us leave before fully following through with plan A. We often fly to the hills of plan B.

That boyfriend of yours was very wrong for doing that by the way. God bless.

Thanks for all the information on this forum. I applied for a Victorias Secret card today and was approved. I was also approved for a Walmart, PayPal and Kohl’s card. This is with a credit scor of a 606

Yay Jessica! I got approved for those too, we’re on our way!

Hadn’t applied for any credit in about a year other than auto loan. However, just applied for several cards and we’re approved. Jcp, lowes, Bealls, hhgregg. TU 700, eq 643
Just got an increase on capital one in December from 500 to 2000. Pay on time and stay on top. Also Bloomingdales increase from 2000 to 2600.

I filed for BK Chapter 7 on May 17, 2014. The first thing I did was get a copy each credit report and dispute every Charge Off, Collection Account, judgment that was showing negative with a balance still showing and demand that they be changed to “Included in Bankruptcy” with a balance of 0. which is what should happen when you file BK by law. I also attached a copy of the creditors section of my petition as proof. Within a week, I noticed that many of the creditors were making this change. The ones that didn’t, I disputed again and if they still didn’t make changes, I filed complaints against the creditor using the Consumer Financial Protection Bureau which is a government run site and it gets these slow creditors and collections moving. Within 2 months all 3 of my reports were showing 0 balances for all and there was nothing in collections. That’s the key to getting approved for new cards quickly and start building. As soon as my discharge was complete 3 weeks ago, I checked my score and it went from the low 500s to high 600s. I applied for Capital One Quick Silver unsecured card and got approved for $2,000 I then applied for Capital One Platinum Unsecured and also got approved for $2000. So I think the key to getting approved for unsecured cards is making sure you have no accounts with balances showing negative. Even with the bankruptcy judgment, all the accounts should show 0 balances. It was a pain but it allowed me to get approved and continue building my scores back up.

Why would you get that debt forgiven just to incur more debt? Thought their wad a Grace period in which you agree NOT to take on new credit after a bankruptcy? It’s not right what you’re doing.

YOU can not apply for credit during BK, but as soon as its discharged you are free to apply any where you like.

I have had the hardest time trying to get aproved for a JC Penney card. I make over 80k, I have cards from Amazon, Capital One, Walmart, Target, Barclay etc. I have reas that if you apply in the story your chances are better. Does that make sense?

Yeah, it makes a lot of sense. It doesn’t matter how money you make. It all depends on your credit score.

I have no Credit history,and I got Capital One Secured($200 CL with $49 deposit) and Capital One Quick Silver One Rewards with $300 CL) Both say chance of cli after 5 on time payments.

I have 2 capital one cards. Started with a $300 limit and up to $750 now. They will e-mail you after about 6 months of good payments and ask if you would like to increase.

I am thinking about doing the same, $49 for 200 cl. But I cannot find anywhere what they mean by refundable deposit? When do you get the money back? How does that work?

I am a strong believer regardless of your credit score your income is a big contributing factor. For example, 2 years ago today my credit score was a 648 I apply for a half a dozen different credit cards,and was turned down by all and everyone of them did a hard inquiry on my credit. At the time I was roofing and was lucky to clear $38,000 annually. Needless to say those applications destroyed my credit, and knock me down from a 648 to a 528. Then about 6 months later I got a job working in the oil and gas industry making at $82,000 a year. 6 months into my new position I decided to apply for several lines of credit.(capital-one platinum ,First premier bank platinum, and Firestone automotive were the first ones to give me credit. Now its only justifiable that my APR was in the low 20’s. Capital One gave me $400 line of credit First Premier Bank gave me a $500 line of credit. The best one which was a shocker to me was Firestone automotive they gave me a $1,000 line of credit, in their interest rate was 0% for the first year. I used $900 to put 4 new tires on my explorer new wiper blades and got it inspected. Then I proceeded to pay the monthly. 12 total payments that way by the following year it was paid off and I could use it again. I didn’t use the first Premier credit card unless it was an absolute emergency. My Capital One card on the other hand I use constantly for gas it is the only form of payment I used to purchase gas. And I would always pay it off within 72 hours. Now just using the capital one credit card in making the payments in full, along with my monthly payment towards Firestone. AND….. THIS IS IMPORTANT….. AND, never choose debit when I paid with my debit card ALWAYS, ALWAYS choose CREDIT. Within 6 months Capital One extended my line of credit to $1200. First Premier tried to give me $2000 even though I never used that card unless it was an emergency. and my credit score shop back up to a 629 all within 6 months, and I had a total of 24 hard inquiries over the past two years. So in closing if you apply for those three basic simple cards, and use them wisely you should be able to see a dramatic increase in your credit rating and in your line of credit available.


2.Firestone Auto CC (apply at

3.CapitalOne Platinum CC(
Make sure it’s the platinum card bc this one is specifically for bad or little to no credit.


4.First Premiere Bank Platinum CC
Make sure it is the Platinum card that you are applying for because it also is specifically for bad or little to no credit.

I hope that helps and I apologize for the book that I wrote But I wanted to make sure that I was as thorough and detailed as possible…..Good luck

Got all 3, thanks!

Best freakin advise ever… Firestone gave me a $800 CL with a 610FICO

Conns will give anyone credit!

you have to live in one of the 10 states that Conn’s specifies or they cannot give you an account. I live in Ohio, so they cant do it. Thanks anyways 🙂

TU 605 Walmart store card trn dwn online just now. I have capital one quicksilver 500cl and fingerhut cl 1000

Sears and JCP turned me down recently and my transunion was 627

I havent applied for credit in over 2 years getting stuff off. I signed up for Creditkarma in May and score was 590. Vantage score of 705 and Equifax was at 688 when I did the trial and cancelled just to see score. By end of June Creditkarma showed me at 730, increase of 140. I paid off collections ect. Have one payment left on my truck and had many late payments and a repo. So as much as I was scared tonight to apply afraid of hard hits to score and denials I am shocked what I got. Applied for 3 over 2 hours doing research and got approved for all. Capital One Platnium Classic I believe it was, 1000.00 . Walmart because people said it was easy 700.00. Then the shocker, Sears store card not the mastercard for 2000.00. Almost fell off my chair. I need to stop applying but I wanted to see who denied me. I did apply for Barclay and It say I was denied on their quick approval. Well then how I did get 3700.00 in credit with 3 other companies. So I know it sucks everyone about bad credit and work to repair. My divorce killed my credit but I was patient and resisted applying for a long time for credit. Oh forgot. I applied for Fingerhut in beginning of June and got approved for 500.00. I only made one payment but did report to credit reports so maybe start with Fingerhut and buy something, make a payment, make sure score goes up and then try the ones I did. Goodluck everyone. I know all things dont work for everyone but I guess I did the right things and on my way to getting my credit back.

Am I the only one or what. I am trying to obtain a dept store card an another cc. I’ve applied online with different places an keeps denying me do anybody know why? & what are some dept stores that will work with you to open an account. My score is 640 an its hard trying to apply at different places. I also don’t want to keep applying an lower my credit score with inquiries. I have a sec cc an pl cc with capital one already. Any suggestions.

My TU score is 608, approved for Walmart $300; Kohls $300; Macy’s $600; Capital one $500/ Capital one Silver $1,000; Amazon store card $500. Hope that helps & good luck!!

Try the Comenity shopping cart trick for a pre approval. They are soft pulls so they will not affect your credit. I’ve gotten Victoria’s Secret (that can also be used at Bath & Body Works), J Crew, Loft, Brylane Home that way. I was pre approved for Buckle and Express too but declined the offers.
Just visit those sites, put something in your shopping cart/bag, go to check out as a Guest, fill in name and address, click next, and you should get a pre approval pop up sometime before the payment page. It only asks you to fill in your birthdate and last four of social security number. After you accept it, go back to your shopping cart/bag and empty it then “x” out of the website. You don’t even have to buy anything.
Kohl’s is easy to get approved for also. It will be a hard pull though, if that matters to you. I got one a couple of weeks ago. Love it!
Good luck!

I’ve tried shopping cart trick on numerous sites and can’t get it to work. I’ve tried using chrome, internet explorer…doesn’t matter. What am I doing wrong? Please help!

Apply for a express card online. I did with a Credit karma score of 580. Credit limit of 250. This was two weeks ago

I have NO credit history..what is the best and easiest credit card(store or standard) to get approved for?

Try sears it was very easy an fast response. I gt a $1000 cl an im also rebuilding my credit.

See above about the “shopping cart trick”

Herb Washington 621

If you have a Nordstroms that is a really easy card to get for the department store.

Just got discharged from C7 bk, Capital One approved me for $3000 limit on MasterCard! Whoo Whoo! Awesome, and in 5 months they will bump it to $3500 as long as I make my payments on time. Pretty sweet deal.

was that a secured(deposit required) or unsecured card? I was not able to get one after my 17 bk. did you just apply for unsecured or how did you go about it?

I think you’re telling a fib.

I got this same deal. I was shocked!

I month out of bk 7 and received a capital one with $2000 limit. Needless to say that’s the only card I’m getting.

Hi Alisa, I am also coming out of a bk 7. How long did it take for you to receive your discharge papers?

90 – 120 days after your court date, but it may not take that long.

I’m in chapter 13 and it will end this year in December; is it okay to now try apply for maybe a secure credit card?

1-month out of BK. Wife got approved for a Kohls Card. I got approved for Capital One Card. Both $300 Limits. Its a start

I have a 554, a lot of stuff charged off around 6 years ago. I am on two accounts with my fiancé (although they currently have high balances due to a rough spot the past couple of months) but we have had them since nov and have never paid late. Is there a store card I could be approved for? I would really like a kohls card, since that is my most frequented store for kids clothes. I have a bank account that I’ve never over drafted and been with them around 18mo. Any thoughts?

Kohls has a pretty good approval rate. People say all the time they don’t think they will get approved and they do. When you apply, apply in store so someone can get the extra $1 in their pay (we need it and it helps us look good when we get credits) but round up a little for your annual income. If you don’t get approved in store, they will send you and letter and you can communicate with them and eventually be approved

The Phine One

Credit Score: 638
Just got approved for Barclay Rewards M/C, JCPenney, Walmart, Target, Discount Tires and Capital One Quicksilver. Chapter 7 discharged as of Jan 2011. Glad for the opportunity for a second chance. The reviews are helpful to compare your credit profile with someone else whose financial circumstances are similar to your own. Thank you, Credit Karma!!!

I applied for the capital one card, and was not approved. I have the same score and already have a card with them. Very disappointed. The barclay rewards has great rewards but when I did the pre approval is said I wouldn’t be approved. I was approved for a different card the other day, just waiting to get it in mmail. ..

arlene blaisedell

My husband past away in July of 2000 and left me pennyless but I have strugled but I really want to see if I can get a walmart card.

arlene blaisedell

I filled out an application to try getting a wal mart or any credit card company that will except bad credit I don’t know what my score is.

Go to to get an idea of your score

CreditKarma is a joke. My husband and I both have accounts and just recently it said my husband’s score was 537. When I checked with his identity alert account it gave all three of his scores as being well over 590. One was even over 600! You can’t rely on their information it is never current and you only get one score.

I use credit karma and I find it to be very accurate. Yes it only gives you one score but it’s accurate so far. I also use ScoreSense which gives you all 3 scores and for TU it gives me the same score as credit karma.

I instantly got approved today with TU 597 for 600 CL.
After a long bad history, I grew my score from 380-600 in last 6 months.
Way to go and thanks to Walmart and Lexington


After working really hard this past year, I finally have my FICO credit score up to 620, working toward 700. After years with no credit cards,I have finally started getting approved for credit cards. In the past month, I have been approved for Macys ($500 CL), Fingerhut ($500 CL), Woman Within($250 CL) and DressBarn ($250 CL). I know it’s not much but it is a start. Good luck to each of you who are working hard to improve your credit scores as well!

Mike Somerville

I’m not getting approved for anything. 670 credit, car loan paid off, 28k new car loan just started, 2500 secured card, 2000 unsecured Barclay card, no negatives except BK7 2011, 5 inquiries. Credit card utilization 10%. 60k income. Am I missing something here? Just looking for better card offers so I can close my secured.

Have you tried going to the bank that you have the secured card with and asking to have converted to an unsecured card? I was in the same boat until about 2 months ago and then i started getting approved. I have secured card with my credit union and it automatically converts to unsecured after certain period of time.

BK will haunt you at least 36 months. Dont bother with unsecured credit cards like Visa MC until 40 months have passed to be sure

IF you have recent bankruptcy of 3 years you wont’ get many approvals..MY bankruptcys is 7 years old and now within the last year am getting a lot of approvals.. I started with a capital one 2 years ago with a limit of now 3,000. I would try a credit union and talk to the person who approves the credit cards and they will work with you.. I got one with a credit union for 5,000. I also just got a discover it card for 5,000. The smaller banks and credit unions are easier to work with cause you can talk to the person who approves them. I just also got a discover card which requires a score in the 670’s but they look at how long you have had the bankrupcty on file.. It is the length of time which determines if you get approved . Your score is high after bankruptcy,but they look at how long has it been since you filed bankruptcy.

I month out of bk 7 and received a capital one with $2000 limit. Needless to say that’s the only card I’m getting.

Did you try Capital One Platinum Unsecured? My score is in the high 500’s and I am one month out of Chapter 7 discharge. I just got approved for $3000 on Capital One Unsecured even though though I was not pre-qualified with a soft pull. I was more than a little surprised. As a matter of fact, I was only one month past over due accounts being brought current. If I were you, I would pay everything off to $0 balance and not buy anything on credit or apply for anything for 3 months then try Capital One.

I have a BK almost discharged with a lot of collections and a tax lien do you have any ideas about getting a CC with a high limit. Thanks

I was blown away like you Goingfor800.


You’re absolutely right Richard!

That’s a tough one, however a few things come to mind…

1) You mentioned you have a new $28,000 Auto Loan which falls under the “installment loan” category as well as $4,500 in what is known as “revolving credit” that can be used at any time.

With an income of $60k, some creditors may be looking at your debt to income ratio as being to high at just over 54%

2) While 5 inquiries isn’t too bad, you are starting to get on the high side without a long standing history. Try to limit the number of inquiries, each one will reduce your FICO score a few points and start to look bad in creditor’s eyes.

3) Just in case, get a copy of your FULL credit report from ALL 3 bureaus – you can get them free once a year or when you are denied credit and this will not affect your credit. Make sure there are no collections, judgements, garnishments, etc that could have been reported by mistake or fraudulently.

Also, just a note on what someone else had mentioned as well – DO NOT close your secured card if it is your oldest card! This falls under one of the most influential categories of your credit score, Credit History. To have what is considered an “A Rating” in this category, you must have an OPEN Credit Account in good standing for 10+ years! I forget exactly what the “B / C / D” ratings are but they fall off quickly… ie “B Rating” is something like 8-9, “C” is 6-8, and so on – you may want to look into this.

Pay down as much as you can on your Auto Loan, making the minimum payment will cost you much more in interest in the long run. You would be amazed at what an additional $25 or $50 a month would do! (assuming you live in a state with no penalties for paying it off early) Plus, you would reduce your debt/income ratio and would look good in the eyes of the underwriters that make these decisions on issuing cards.

Also, I have never heard of a Secured CC that does not convert to an Unsecured after a set period of time – usually not more than 1 or 2 years. Some of the ‘less trustworthy’ companies will not convert it automatically, so call up the number on the back of the card and explain the situation, if you are outside of the Secured Card Policy they have to refund the deposit and convert the card. If you are still inside this period, ask for a supervisor and threaten to close the card if necessary – 99.9% of the time they will work with you, if not the issuer is not worth keeping anyways! Capital One for example has *ALWAYS* refunded any late payment fees (granted they were never more than 1 or 2 days late), refunded my annual fee on my old “Credit Rebuilder” card, and even lowered my interest rate for me – they’re a great company and I would recommend their cards to anyone!

Hope that helps!

its your debt to income ratio… if you have a 28000 auto loan, thats a bug payment, then a few credit cards with balances… they look at that stuff… you can have a high score and get turned down

That doesn’t make sense to me either. My score is only 590 and I have a card from,, Applied Bank, Credit One, Capital One and WalMart. All of these report to the 3 credit reporting agencies. Hope this helps.

my score is in very low 500s I have very baf credit! please help I need better credit its driving me insane!

typo bad credit

Amber. Credit these day is an endless battle but you just have to get yourself going. My credit crumbled a few years ago due to medical reasons but recently has been improving. I wanted to start rebuilding my credit history so a few months ago I applied for capital one. Got approved for $300 with 0% interest and if it was in good standings for 5 payments they would up the limit to $500. Well I played it smart would use the card and pay it right off. Instead of increasing my limit to $500 capital one have me a $1500 increase putting me at a $1800 limit. I just applied for a walmart card and instantly got approved for $700 and they offer 0% financing.
Please do NOT apply for anything with First Preimer or Credit one. They are horrible. They give you like a $300 limit but charge all these fees so you literally have a $100 limit but have to make monthly payments on a balance you did not even create.

This is for all the people who are young and/or have low credit scores

First things first-

Get your free reports for All 3 bureaus at
They will tell you what’s on your credit. Then go to anything that’s on your credit , judgements, collection, medical, etc. they will tell you how to get them off like disputing with the bureaus removing inaccurate information- TRUST me the information is large but WELL worth it!!

Thanks for that info you just saved me hours of headache

Hi Amber try first progress secured cc card. I have one and open it up with 300 so that I can start building my credit. I want to get a department store cc but scared to apply.. Lol…

Herb Washington 621

nordstroms or macy’s

I had a BK and in the BK had 9-10 charge offs, could not get approved for anything, to rebuild I literally saved 20 bucks each paycheck, and opened a Capital one secured card for 300..two years later, I have 1K cap on, Macys 600, kohls 400, walmart 300. Grant it that they are all below 30% use or no balance, but still from 515 score to 630 is ok in my book. Home depot denied me which is so dumb because of the BK (it was almost 10 years ago) and that falls off this year! stay strong, everyone has been there, just remember, baby steps! My first credit card was The Avenue for those with no credit, pull it up and see what you have you would be suprised at how all the medical bill crap gets on there, once you dispute the medical like I did (omg they were over 5-6 years old and I know I paid them ) they will investigate, if the creditor does not respond or has no record of you even being there, they have to take it off and they only have 30 days to respond. When I was 20 you would be surprised how many get on there that are not even yours!

Hey my credit score is at a 521, 542, and 534 with all three. What can i apply for and get approve

us bank told me as long as i have cash for a secured card they could care less about credit score. i have a checking acct and a secured visa my score was in the same place as yours. Really a secured card is the best way that way you get a visa from a main bank. United Bank now offering the unity visa easy to get. I have tried store cards with a 500 something score and i have never been approved. Cap 1 should have a unsecured card that would approve you credit one bank nice visa they preapprove. Try these options I have been studying bad credit for a while still climbing so I understand. It would help if you could be added as a authorized user on store cards Comenity bank reports on all authorized accts. My name is on 4 cards and none are mine. Make sure the person has good credit. I think it might have to be a family member, but not sure. Free advice stay away from catalog cards just a waist of time. Good Luck. ps you should register with credit for just 1 place he gives great advice on bad credit. jenna il

I would only do a Capital One Secured card and a Credit Union Secured Card. Never charge more than 25% of balance, pay it off the next day. Rinse and repeat. Apply for nothing for 6 months.

I used credit karma. It gave me a suggestion of credit cards to apply for based on my credit. I also read the forum from ppl with bad credit and credit card reviews. The first card I applied for was Barclay. Denied.. Same day capital one platinum.Approved. I only wanted one and I got a new car. So I’ll try to rebuild with these 2



That is not a bad score at all, you could probably get any COMENITY BANK card you want. Have you tried the discover IT CARD for students?? It only requires fair credit, and with no negatives. Barclays bank is always recommened for your score and credit type I have never had anyluck with them but that’s one to consider. Walmart cc should approve that score. Norstroms approve low score but like low utilization so if your cc limits are low that would be a good card. Cap 1 student card Journey visa for fair credit limited credit. they preapprove I would call and apply by phone. In my research if your denied look up the backdoor # to the cc, they turn the denial into a approval often.

I put that I made 28k and got accepted with a $500 limit

Try student cards. Citibank or capital one usually are really good

I don’t know why you were not approved for Capital One… My score is lower than that and I have had a card with them for over a year now. 674 is not a horrible score…. Try a store card such as Kohls, Fingerhut, or Target… they are usually easy to get.

You have to stop applying for so many cards at once- they don’t like to see this many inquiries on your credit- furthermore.. CALL THE BACKDOOR NUMBERS AND ASK FOR RECONSIDERATION – the numbers are listed at check out it holds tons of information but if your FICO NOT FAKO scores are on the upper 600’s the inquires might be the problem

Apply for Open Sky credit card. It is a secured card but is great. I had a score of 518 was turned down by others and was on credit Karma and seen their ad and applied was approved and within about 10 days had my card and it had already reported to all 3 bureaus. And best of all my score went up to 583 from 518. It is a secured card and what I did was purchase a prepaid netspend card and load $200 on it to fund the opensky credit card but trust me it is worth it. This way you don’t have all of the hard pulls on your credit report either. I still don’t see where they even did a credit pull but as I said within 10 days they were already showing on my reports with the 29.00 yearly fee which is not bad at all. Trust me this one you will get approved for. Also, you can put more on the card for the limit if you want but being unsure about it at first that is all I did. Go to to apply. Also, I just made my first pymt on it which was due today but I made it on the 25th and it is also already showing on my reports. Make sure whatever you do don’t go over 30% of the credit limit each month and pay it in full each month. Good Luck

Student loans are a hassle. I you are even late with one payment, it goes on your credit report. Check your credit report and see if you have any late or missed payments reported. If you do, call the lender and explain to them that it is harming your credit, and they will most likely contact the Credit Bureau and have the info updated to paying as promised. It happened to me a few years back, and they were very nice about doing it.

Secured Credit Cards for Consumer with DAMAGE Credit

Capital One
Navy Federal or any other Credit Union Institution – bank account is required
USAA – *Military affiliation and veterans only qualify
Merrick Bank
First Progress
UNITY from OneUnited Bank
First Premier
First National Bank of Omaha
Western Security Bank
Sterling Bank
eLancard – The Napoleon State Bank
eLancard – First National Bank

Secured Credit Cards for Consumer with Average Credit

Suntrust – bank account is required with them
Bank of America

Great list although i think us bank will approve poor credit for a secured visa. Not sure know but I have a PNC BANK visa, you have to go in person no bank acct necessary and you are approved as long as you have cash. They report to all 3 bureaus. If you are really desperate Applied bank offers a visa secured easy to get they report to all 3. I have poor credit cards implanted on my brain, this is a nice list, it should help alot of people.

Just checked my credit score with my Experian score is 571. I am also in a Chapter 13 got approved for a Firs Premier cc $300 but denied for capital one secured visa…..please help trying to rebuild my credit

Open a credit union bank account and sign up for they Secured Credit Cards, must credit union have this program.

Was the first premier a secured card or not. As I said I applied and was approved for the open sky and they are great. They were already showing in all 3 bureas when I got the card

Do you have any negatives or collecrion accts? My score is the same

Im 18 and Im trying to build credit because I have no credit history at all. I tried applying at Victoria’s secret, Target, Goody’s, Capital one, and at the bank that I have a checking account at and I’ve gotten denied at all of these places for not having credit history. Im not sure what to do, how are you supposed to build credit if your not even given the chance?

Hey Madison, Im 18 as well, an I have like zero credit and I got approved for a Victoria Secret Credit Card for $250, maybe you should try ago! I hope it all works out ! Good Luck!

secured credit card is your solution

You should try Cap 1 ya they suck low limits but 300 dollar limit on a unsecured card is better than no cc. They report so you will be gaining credit. try them.

I just got a $3000 unsecured card for capital one 1 month after BK discharge.


Try applying for the citi card for college students citi forward. Make sure to put the school in your area a regular low income like 32k and that u have both a savings and checking a acct. all of my friends out of high school applied and were approved. Hope this helps !

Open sky credit card. My score was only 518 and I got approved although it was a secured card I pd 200.00 but score went up 70 points in one month.

I started 2 years ago with a 496 credit score. The first card I got was Express (200), then Victoria’s Secret (200), HSN (500) & Marathon (200) all through Commenity Bank. Three months later I got Macy’s & Bloomingdale’s (both 300). I paid them all on time for 12 months and they doubled my credit limit and have now tripled it. I then bought a car and got approved through GM Finance and have been paying 2 payments a month. I have raised my credit score to 610 as of today. It was a long road but worth it!

Have to update within one month I have been approved for GE retail bank card through a local furniture store 1,500 victoria Secret 350 macys 500 jc penny 300. Credit score 573. Capital one platinum 300 Yay!!!! Now on the road to rebuilding :D. Lowes, bank of america my own da*n bank, barclaycard* have denied me in the process. Hope this helps!!!

Did you have anything negative showing on your report or any collection accounts? I have score of 583 but a few negatives and did just get the opensky credit card secured.

Do you have any negatives or collection accts on your report? My score is not much different but have a few negatives

Honestly if anyone is trying to re-establish credit message me. I’ve been working with buyers for years doing exactly this. I don’t mind helping anyone “even if you aren’t looking to buy a home”. I’m familiar with both secured & non. Department Store vs gas.

Trying to get my 19 year old college student credit established.

All of those “student” cards have denied him.
Even with me as a cosigner since my credit is only fair.

Any suggestions to help build his credit?

secured credit card is your solution

I have to say I must be the queen of secured cards. CAP 1 secured easy to get Several websites referring the us bank’s Harley Davidson secured visa. Probability a 300 dollar deposit. Did he try cap 1 platinum or credit one visa nice little card.

Citibank forward for students or capital one journey for students

Citibank forward for students or capital one journey for students lol

need your help ASAP credit karma score 522

Apply for opensky credit card bet you get approved with no problem long as you have 200. I did and score went up 70 points one month

would love the help

I am trying to build my credit and want to buy a house I’d like to hear your thoughts

I am trying very hard to rebuild mine. I have the score of 509

I am really trying to rebuild my credit. I filed bankruptcy in june 2013 and it was discharged in August 2013.
I tried applying for retail cards to re build my credit and I get getting denied. I have 11 inquries on my credit report, due to applying for cards.

I am trying to re-establish my credit. My score is 520 and I was approve for Fingerhut with a limit of $180. I know it is a start and I do not want to deal with secured credit cards. My credit is a mess because used my name and I tried my best to clear it up but to no avail I have fail. I am so tired and I would love to prove myself plus I have student loans out that is killing me.

M. Carter I’ve been trying to raise my credit score. I’m around 550 at all 3

I am looking to re-establish credit. Any tips would be greatly appreciated.

Hello, my ex husband ruined our credit and i am trying to get back on my feet any help i would appreciate! Thank you

TRying to buy a home. Have paid off all of negative items except for Tax liens. Trying to get CC to help with re-establishing credit. Afraid to apply though Experian 634 will go up this month as I paid down balance to 30% utilization. Trans 575 score

looking to buy a home but i got bad credit bk will be dischare in two or three months

Maybe you can give me some advise, credit score is 504, just got a secured Visa with my bank, Armed Forces bank, in Fort Knox, KY


I am looking to buy a home real soon, do you department store that could help build credit for a home?

Rebuilding Credit

I would love to have a bit of advice on increasing my credit scores, I have a 500 visa ( unsecured), and 2 revolving accounts, I am trying to increase my fico score because i want to buy a car and house.. and i have a couple (5) things on my credit report.. 3 out of the five are medical.. Any suggestions? I don’t think i have any thing more then 3500.00 owed, however i know for a fact that the largest medical bill was paid.. but still on my credit.. suggestions?


Hello. I’m trying to build my credit. Right now I’m in the low 500’s. Do you know of any unsecured or dept store cc I could be approved for? I’ve had my capital one platinum card for almost 2 years.

I would recommend any CC from Comenity Bank. I have 3 CC’s with them…Peebles started me with a 250cl but just recently raised me to 500cl, Reeds Jewelers instantly approved me for a 700cl, and I have an Express card with a 250cl. I would also recommend the VonMaur dept store card because they have no interest…I have that card as well, they originally started me with 200cl, now it’s 500cl. I’m a witness that there is life after bad credit. I was in a ch13 bankruptcy that was discharged oct of 2013, one month later, bought a 2011 camry with an int rate of 17% (very high), but I didn’t give up!!! Aug 12, 2014, I purchased my first home and on Aug 27th traded my Camry in for a 2014 Nissan Altima which is now financed through a credit union, interest rate went from 17% down to 7.49% with first payment not due until Nov 15th, my credit score with TU in about a year’s time went from 501 to 626 and also was approved for a credit card with the CU with a $1000cl. If I can do it….YOU CAN DO IT!!! 🙂

I was going to work with HUD , to try & get pre approved for a Motgage. both my husband & i have @ $40K +/- of income annually. My husband is a Sr & his son has charged up an Electic billnot my husbands. basically that is all he has , i have a few things on mine ,but was/am a victim
of ID theft. We would like any help you can give us. starting by how do i get that electric bill off my husbands report & the charge offs that are NOT mine taken off as well? Help please & TY

I am trying to rebuild my credit. In the last 7 years, I’ve been divorced, my ex got our home then a year later let it go back in foreclosure. I’ve been out of work off and on in the last 7 years, the first job was because my boss died of a sudden heart attack and the law firm shut down within a week, leaving over 30 people without jobs and our last months pay never recovered, the estate is still in bankruptcy. I was out of work for almost a year during that. Then I got another job then 2 years into that job the company downsized and moved to Maryland. So all the hard work I did to get my credit perfect before my divorce was ruined. I couldn’t pay anything. With so much job lose I was always behind. The statue of limitations has run out on all the debts, but I’m still behind on my car payment. Playing catch up is never easy when your a single parent. So what do I do to establish credit??

Hello, sorry to bother but i happened to hear about creditboard by way of someone mentioned it on credit karma. And then happened to come across your post. I really trying to re-build my credit and not sure of t g e best way to do so, whether to go thru a Lexington Law type credit repair place or by way of credit cards for rebuilding credit. A year ago my credit score was under 500 but i was able to by a car and now credit karma shows it to be 560-575. I know you posted this in 2014 but if you coukd help with some advice i would appreciate it but if you cant i understand by it being so long ago..thanks

Hey Shawn try a Capital One CC!

Victoria secret not easy either

I just applied for Victoria secret and was approved for $250 credit score with Transunion is 571. got denied for macy’s and bloomingdales. have 1 tax lien and student loans

So Kohls is not easy i have a 597 credit score and got denied

working on my credit

Kohls uses Transunion. My score was about 620 and they gave me a card with a $300 in 2012. They may have raised the minimum credit score required.

my score is a 570, im trying to get a credit card at a department store but no one seems to approve me. HEEEELPP!

Try Victoria’s Secret, express they are easy to get approved from .

Me two I could not get approved with a 585 score for any stores. SO see if you can be a authorized user on any of Comenity bank cards which are about all the stores girls shop at. it goes on your credit report. make sure the person has good credit. Get a secured card $300 dollars from us bank unity visa you will pay alot less interest and keep building your score. stop applying Unity visa does a hard pull. us bank i’m not sure but i don’t think they do a hard pull. Wf AND BOA secured cards harder to get applied bank will approve you. But us bank nice card nice bank to work with if you have troubled credit

just got approved with Victoria secret $250 score is 571

Join a credit union!! They are a .org, not a .com, which means they are there to help you instead of rich stockholders. Mine gave me a car loan with a very low rate and a $3,000 credit card all with a credit score under 600! I’m now around 650 and have a mortgage along with several other credit cards. I was approved for Kohl’s and Conn’s but not Macy’s or Nordstrom’s. I refuse to shop at Wal-Mart so I won’t try that one. Maybe JCP or Sears because I have a good salary. I may have applied for too many accounts lately, though, which could be a factor in the rejections.

What credit union do you use? Or which one did you gat approved for?

this is a lie my credit score is 601 with Transunion and I didn’t get approved for kohls or walmart

My score is mid 500’s but kohls approved me after applying in store twice. The cashier had just mentioned that one customer applyed several times before approved. So dnt give up after first time and apply in store verses online…

I just applied for Kohls with a 556 score and got approved for a 500 limit.

Congrats just use credit wisely.

Thank you guyz…the information was good.

I just applied for a Kohl’s and got it with a 591 credit score. I also got a Credit One Bank credit card. I was not approved for a JC Penney card and that’s my favorite store. Ugh. I do need to boost my credit so I applied so I can have something to start building with.

This website has been a God sent! I have been repairing my credit from marriage debt and Nordstrom, Victoria Secret and Capital One have all approved me! My goal is to be in a position to buy a home by my 40th birthday and this was the opportunity I needed! Currently I’m at 623, in July I was at 605 and my credit score was boosted just by getting a small $800 personal loan from Springleaf Financial and paying on time (I had my payments debited from my checking account). Now I believe I’m ready to use credit cards RESPONSIBLY to gain more credit!

I’ve been trying to get a deparmtnet store credit card and my score is 564… but Springleaf Fianancial is a great place to get a loan and hopefully paying on time will boost me credit score, too.

I agree they are the only leg company that I know that really does approve low credit scores, I personally declined there offer. Hoping to keep climbing my score for a better interest rate.

Kisha I just got an offer from Springleaf Financial, but i think it has a very high interest rate? My goal is the same, what would you suggest as far as Springleaf financial goes? should i apply? How is there customer service? also did they ask for a vehicle for secured ? ty any help as far as Greenleaf goes would really help me TY

I work for a finance company and yes, our rates are higher, but that’s because of the risk being taken on individuals who have a history of not paying their bills. However, we do have the option to consolidated bills for people, which could potentially pay off negative accounts and after a few monthly payments, your credit score could go up tremendously! I like to think the company I work for is very friendly, professional, and no judgment is ever passed. Things happen, and we want to help you get back to where you want to be. If you do have a finance company in your area, it is definitely worth looking into! Especially to consolidate collection or past due accounts!

Hi congrads on the cards, also goto creditboards and read the forums , they have very good info on credit building and bumping off inquires, also look at the shopping cart tricks to get approved for cards without a hard inquire, like buckle, express , jcrew and you already have the vic card. They have also helped me get my 3rd home, lots of good info. Goodluck

This website has been a God sent! I have been repairing my credit from marriage debt and Nordstrom, Victoria Secret and Capital One have all approved me! My goal is to be in a position to buy a home by my 40th birthday and this was the opportunity I needed! Currently I’m at 623, in July I was at 605 and my credit score was boosted just by getting a small $800 personal loan from Springleaf Financial and paying on time (I had my payments debited from my checking account). Now I believe I’m ready

I got Kohl’s & Lane Bryant, both $300.00

I got the fingerhut 500

Just tried jcpenny instantly approved for 300$ credit score 576 yay!!

Trying to establish credit. I just applied to each and every single one that was mentioned here, and no luck. Where can a college student go for credit???

I had to do bankruptcy over a year ago. Thankfully I had some good advice from my lawyer. You can apply for a capital one credit card. Do a Pre-Qualify application, meaning their just going to ask some info to see what card fits you best. I recommend enrolling in I did this for myself and my daughter who is also a student like yourself with no credit. No one gave her the opportunity until we did it through capital one. We each had to pay $49 for a $200 credit limit. But in 6 months, we applied for a regular capital one card and its opened the doors to establishing a good credit. Hope this is helpful. Go for it.

Maurice’s is the best one for college students because they have a program form students. As long as you have a job your pretty much approved. They start out with limits as low as $200.

secured credit card

ICitibank forward for students or capital one journey for students both are easy to qualify as long as your a student but have an income

I was approved for a 300 at Kohls YAH! to second chances

I have been working on my credit score for 2 yr now. I have 2 capital one cc but I’m looking for a department store card. My scores are just over 500 now…any suggestions would so much appriciated!!!

Apply for a Nordstrom c/c

I got the khols & lane bryant, and fingerhut. from $300-$500

Go in Person with your id and try the buckle. thats Comenity bank and for some reason they approve more in person, accept the low cl because they raise it often if you keep your credit in check. Have you had late payments is cap 1 reporting your accts. if you have good credit history with them ask for a cl increase. apply with credit one.

I am in the process of rebuilding my credit as well and within the last two weeks have gotten approved for Macys (600.00) Victoria Secret (350.00) and Kohls (350.00). Just some suggestions for others who may need a little help looking.

Did you get an instant approval with VS and Kohls, or did they need to further review your info and notify you by mail?

I have really poor credit according to credit karma my CS is 560 with Transunion, I was approved with fingerhut forest art account CL 130.00,since then I have also been approved with first premier bank CL 300.00, Vicortias Secret CL 250.00 . Walmart,target,macys have all denied me. I do know that too many credit inquires will get you denied as well.

I got the capital one and I don’t have the best credit due to medical bills. They approved me for $300 with the opportunity to increase my limit as long as I make my payments. I am looking for others to help rebuild my credit though.

my credit is horrible no one will give me credit but nordstorm retail only credit approved me 500! looking for more places like it

Just got approved for a Nordstrom Card! Don’t know what the limit is yet…probably about 500 as well. Thank you for sharing!

did you get instant approval or did they need extra time to process?

Lucky Dog Norstom’s and Bloomingdale someday

I had REALLY REALLY bad credit. Gap and Old Navy approved me for $250 each. It was a great start for me to rebuild my credit.

Do you mind sharing what your credit score is?

Do you know what bank these stores use?

They won’t approve me but Kohls did.

Kohl’s approved me as well, I tried other department stores but Kohl’s is the only one I had success with. They started me at a $300.00 credit limit and they have great deals and rewards too, I am always getting fantastic coupons in the mail.

My credit got messed up trying to help family out and they screw u in the process

You can go to Fingerhut and establish credit through them. They will pretty much give anyone a line of credit and they report to major reporting agencies.

i was able to purchase some item after applying for finger hut but I am not sure if I was approve or not.

Actually Jcpenny does not give credit to anyone who just applies and their restrictions have not changed. People who apply for their cards probably have to make a minimum of 40k and up. I used to work there!

i am having sooo much trouble get any kind of credit card. Even the easiest for people with the worst credit are not approving me. i don’t have any credit history whatsoever. i’ve tried gas cards and all department stores. not one will give me a chance. how can i ever establish credit if they wont give me the chance? its so frustrating! I need help!

First premiere is a great starter for no credit. Also check with your bank about credit starter loans. I actually started out with both of those options.

Hope my info helps

Do not get any type of credit card from First Premier. They charge an annual rate of $75. Also the interest rate can vary from 21% up to 49%. They typically only grant you a $300 credit limit. If your late just once, enjoy the 49% interest. I would suggest a Capital One secured credit card.

I’m sorry but first premier and credit one are horrible starter cards if your a student try student cards in main banks they usually approve you even with no credit if not think capital one can qualify even those with bad credit and they’re annual fees are reasonable

Try a secured Visa or MasterCard through Bank of America or Well Fargo. Also, the times you have applied for credit and been declined also decreases your credit score. I would pull free copies of your credit report to see how many inquiries you have. Also, sometimes your credit may be subject to a credit freeze or fraud alert or you get declined because the name or address is slightly off. The worst could be that you have do have a credit history–that someone else fraudulent established it and then ruined it. It is all so confusing. I just had my Equifax report tell me that a negative factor was my length of credit history. Equifax said I had a short credit history, but is it nearly 24 years. No answer from them on what they consider a long credit history. GOOD LUCK!

try kay jewelry store they do have no credit program and also try a loan place for 200 and when u finish paying u will get aproved for more places

OK I myself have had the biggest pitty party of all for bad credit. Why is your credit bad, do you have recent late payments. judgements you must have crap on your cr that is scoring off cc. Almost anyone alive can qualify for a cap 1 card. try the preapproval. Did you call the cc that denied you and ask them why you were denied. I do believe that for $300 dollars applied bank will approve A secured card. stop applying you have no idea how that hurts your credit i say this with wisdom because i’m older than you. Stop wasting time energy on chasing crap credit when you should be putting all time and effort in fixing your credit. and that;s the truth, if there was a easy way i would of found it. time patience being smart and you will one day have that fancy card.

Your advice has been most helpful. I’m rebuilding credit after my husband trashed mine in our divorce. I was successful in getting the cards you recommended and my credit score is back in the 600s after only a few months!

I share your situation. My now ex-wife trashed my credit because of her completely out-of-control spending. What cards were recommended to you and that you were able to get? Please help!! Thanks!