2014 Best Department Store Credit Cards For No or Bad Credit

Posted by CreditCardGuru

Admittedly, I talk a lot of smack about department store cards on this website. With high APRs and little to no rewards, you probably understand why.

But that’s not to say they don’t serve a purpose.

If you have bad credit or you’re just building it for the first time, you need to go after credit cards that are known for having easy approval. Many department stores fit that mold.

As of April 2014, here are five cards that have a reputation of being easy to get:

1. 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’re 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. But something is better than nothing.

2. 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 dept 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 co-branded with Discover, so it can be used anywhere that accepts Discover cards 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.

3. Sears

Sears cardThis department store is facing similar challenges as JCP; their customer base is dwindling, so they’re not very picky with the approval of their credit card. I have actually heard from people with credit scores in the 500’s getting approved for it. If you have no credit history, there’s a good chance they will be willing to take a risk on you.

They have a store version and a MasterCard, issued by Citi. The latter will be more difficult to get, so go for the store card. 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.

4. Von Maur

Von MaurIf you live in the Midwest, you may want to consider Von Maur. The others on this list outsource their credit card business to third-party banks like GE Capital and Citi. However Von Maur issues and manages their own cards, so they have more power to be accommodating.

This is the best department store for financing because they don’t charge interest. But you’re not getting off scot-free because the minimum payment due each month is much higher than your typical credit card. Here is an explanation of how it works.

5. Macy’s

Macy'sThis may be the hardest on the list, as you often 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 American Express, but obviously you will want to start with their store-only card instead.

One more thing you need to know

You shouldn’t rely on store cards forever. Store cards can help you rebuild your credit, but they won’t grow with you. They generally offer few 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.

So once your store cards have served their purpose, try for something better. AmEx and Discover often have the strictest requirements for approval, so what I would recommend doing is trying for an entry-level Visa or MasterCard.If your credit is downright horrible than try for a secured:

Updated April 2014

103 comments... read them below or add your own

  1. WorkingHardToImproveMyCredit April 8, 2014 at 9:44AM

    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!

  2. Mike Somerville April 6, 2014 at 11:25AM

    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.

    • Rhonda April 8, 2014 at 11:53AM

      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.

    • BARRY April 11, 2014 at 3:26PM

      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.

    • GoingFor800 April 12, 2014 at 3:16PM

      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.

  3. Amber March 13, 2014 at 1:38PM

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

    • Amber March 13, 2014 at 1:41PM

      typo bad credit

    • Tamarra March 29, 2014 at 9:02AM

      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 annualcreditreport.com
      They will tell you what’s on your credit. Then go to creditboards.com 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!!

    • Amani April 8, 2014 at 7:09PM

      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…

  4. sonia March 11, 2014 at 9:53PM

    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!

  5. crawford March 7, 2014 at 12:25AM

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

    • jenna March 17, 2014 at 8:48PM

      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 cards.com for just 1 place he gives great advice on bad credit. jenna il

    • GoingFor800 April 12, 2014 at 3:19PM

      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.

  6. Clare March 6, 2014 at 9:57AM



    • jenna March 17, 2014 at 8:56PM

      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.

    • Jen March 25, 2014 at 11:03PM

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

    • Dawn March 28, 2014 at 2:10PM

      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.

    • Tamarra March 29, 2014 at 8:59AM

      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 myfico.com- check out Creditboards.com it holds tons of information but if your FICO NOT FAKO scores are on the upper 600′s the inquires might be the problem

    • richard March 29, 2014 at 10:43AM

      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 openskycc.com 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

  7. typeav March 2, 2014 at 11:49PM

    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

    • jenna March 17, 2014 at 9:03PM

      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.

  8. connie February 28, 2014 at 9:48AM

    Just checked my credit score with creditscore.com 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

    • typeav March 2, 2014 at 11:43PM

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

    • richard March 29, 2014 at 10:47AM

      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

    • richard March 29, 2014 at 12:34PM

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

  9. Madison February 27, 2014 at 6:45PM

    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?

    • Megan March 1, 2014 at 6:15PM

      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!

    • typeav March 2, 2014 at 11:44PM

      secured credit card is your solution

    • jenna March 17, 2014 at 9:05PM

      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.

      • GoingFor800 April 12, 2014 at 3:21PM

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

    • Holly March 20, 2014 at 2:48AM


      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 !

    • richard March 29, 2014 at 10:49AM

      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.

  10. MEJI February 21, 2014 at 10:03AM

    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!

  11. cyn February 19, 2014 at 3:11AM

    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!!!

    • richard March 29, 2014 at 10:51AM

      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.

    • richard March 29, 2014 at 12:36PM

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

  12. M. Carter February 18, 2014 at 1:11PM

    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.

    • S.Dempsay February 20, 2014 at 1:25PM

      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?

      • typeav March 2, 2014 at 11:45PM

        secured credit card is your solution

      • jenna March 17, 2014 at 9:10PM

        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.

      • Jen March 25, 2014 at 11:06PM

        Citibank forward for students or capital one journey for students

      • Jen March 25, 2014 at 11:08PM

        Citibank forward for students or capital one journey for students lol

    • Vanessa February 27, 2014 at 8:46PM

      need your help ASAP credit karma score 522

      • richard March 29, 2014 at 10:53AM

        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

    • sean March 8, 2014 at 6:00PM

      would love the help

    • elisha haley March 10, 2014 at 9:53PM

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

    • Amber March 13, 2014 at 1:33PM

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

    • Diane March 18, 2014 at 8:15AM

      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.

    • Gwen Lewis April 15, 2014 at 12:23AM

      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.

  13. unsure February 13, 2014 at 8:49PM

    Victoria secret not easy either

  14. unsure February 13, 2014 at 8:44PM

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

    • working on my credit March 2, 2014 at 2:08PM

      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.

  15. ML February 6, 2014 at 3:38PM

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

    • kayyCee February 11, 2014 at 12:14PM

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

    • jenna March 17, 2014 at 9:17PM

      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

  16. Julie T February 4, 2014 at 12:54AM

    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.

    • richard March 29, 2014 at 12:26PM

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

  17. lisa January 29, 2014 at 4:07PM

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

  18. Tracy January 22, 2014 at 8:02PM

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

    • jenna March 17, 2014 at 9:19PM

      Congrats just use credit wisely.

  19. shawn January 20, 2014 at 7:22PM

    Thank you guyz…the information was good.

  20. amy611 January 18, 2014 at 10:06PM

    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.

  21. Kisha January 16, 2014 at 12:19PM

    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!

    • Diana February 19, 2014 at 4:04PM

      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.

      • jenna March 17, 2014 at 9:21PM

        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.

  22. Kisha January 16, 2014 at 12:18PM

    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

  23. Ann January 15, 2014 at 4:21PM

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

    • Ann January 16, 2014 at 11:11AM

      I got the fingerhut 500

  24. cyn January 11, 2014 at 3:48PM

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

  25. Vincent January 4, 2014 at 6:05PM

    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???

    • dEE January 18, 2014 at 12:21AM

      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 CreditKarma.com. 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.

    • kimberly January 19, 2014 at 10:08AM

      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.

    • typeav March 2, 2014 at 11:46PM

      secured credit card

    • Jen March 25, 2014 at 11:11PM

      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

  26. msluck December 20, 2013 at 6:17PM

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

  27. Rhonda December 10, 2013 at 9:32PM

    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!!!

    • MSB December 17, 2013 at 1:32PM

      Apply for a Nordstrom c/c

    • Ann January 16, 2014 at 11:12AM

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

    • jenna March 17, 2014 at 9:26PM

      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.

  28. lisa December 7, 2013 at 2:50PM

    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.

    • jessica March 6, 2014 at 8:01PM

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

      • BRENELLA March 24, 2014 at 12:09PM

        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.

  29. Ash November 21, 2013 at 6:12AM

    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.

  30. msluck November 19, 2013 at 11:48AM

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

    • sw November 30, 2013 at 11:25PM

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

      • jessica March 6, 2014 at 8:11PM

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

      • jenna March 17, 2014 at 9:27PM

        Lucky Dog Norstom’s and Bloomingdale someday

  31. Keri November 14, 2013 at 6:16PM

    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.

    • Mel December 8, 2013 at 7:46PM

      Do you mind sharing what your credit score is?

    • BRENELLA March 24, 2014 at 11:48AM

      Do you know what bank these stores use?

  32. jennifer November 10, 2013 at 2:12PM

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

  33. wolfgazer79 October 2, 2013 at 1:37AM

    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.

    • jenneh December 20, 2013 at 11:56AM

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

  34. Lauren September 25, 2013 at 11:29AM

    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!

  35. nessa September 16, 2013 at 5:31AM

    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!

    • Kenya October 6, 2013 at 4:17PM

      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

      • Steve February 22, 2014 at 5:08PM

        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.

      • Jen March 25, 2014 at 11:15PM

        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

    • GR October 29, 2013 at 7:19PM

      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!

    • A December 8, 2013 at 5:55PM

      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

    • jenna March 17, 2014 at 9:38PM

      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.

  36. HH September 13, 2013 at 11:21AM

    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!

    • Dale October 6, 2013 at 4:15PM

      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!

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