No Credit Check Credit Cards

For just about anything you want to get off your chest about credit cards.
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super bad credit
 
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No Credit Check Credit Cards

Postby super bad credit » Tue Jan 20, 2009 1:52 am

Is there such thing as no credit check credit cards out there? Like guaranteed approval credit cards. Instant approval would be better yet. Whatever options are best I need almost definitely cards with no type of credit check. I have credit that is totally whack and it's not my fault. I got injured badly 3 years ago and without insurance I went deep into credit card debt to pay the med bills and because I couldn't work during my recover which took over a year. I'm not one of those fakers either for literally one year I could not raise my left arm more than a few inches and my back was so screwed up I struggled (still do) to sit upright and walk. Because I was working as an ind. contractor I wasn't qualified to get benefits or anything like that when it happened. This is why I don't think any type of credit checks would be a good idea when I still owe money.

I know there's probably no such thing as credit cards with no credit check but if there is anything I can do to get back on the road to financial recovery and building up my credit then let me know!

Oh yeah and I'm honestly not interest in prepaid credit cards. I already saw that thread on here but if a prepaid and secured credit cards do not report anything to the credit bureaus then they are really no different then a debit card and serve me zero purpose. I'm looking to build credit only. If I need a card to have a card then I would use my Visa debit or I would buy one of those prepaid Mastercards that are always advertised on tv. All I want to do is re-build my credit is that too much to ask?


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Mogul of Pineapples
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Credit cards with no credit check are impossible!

Postby Mogul of Pineapples » Tue Jan 20, 2009 1:17 pm

Why would you think you should be extended unsecured credit without any type of credit check? In other words you want a bank to loan you money without checking your ability or likeliness of re-paying the credit card debt you would incur?

That really is not possible nor should it be. Now there are free prepaid credit cards and there are secured Visa and Mastercards which could be considered no credit check credit cards but like the name implies, they are secured so in essence you wouldn't be loaned money that you don't have, since the deposit would match the amount of money you are able to spend.

I think you need to rethink your entitlements. It's good you are looking for credit cards to rebuild credit but you need to start with the entry level (secured) and build your way up like everyone else has to do. You've made mistakes and still owe money. All of us, myself included, make mistakes so I'm not criticizing your past and bad stroke of luck, all I'm saying is from the day forward, the future, you do need to take responsibility for did happen and accommodate it by using what's available for you.

Don't worry as time goes on you will quickly build up to regular unsecured credit cards. For bad credit they will even give you unsecured once you have proven your credit worthiness for a little while.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
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magyar1045
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Postby magyar1045 » Tue Jan 20, 2009 3:47 pm

Even if there were credit card companies around that would issue one without previously snooping into your credit history - you would most certainly be required to reveal your banking information so they could automatically deduct any payments due instead of relying on you to make the payments.



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