Credit Card Forum
  1. #1
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    Default Easy to get store credit cards with bad credit

    If you have bad credit what would be a good easy to get store credit card? I couldn't care less about rewards or the gimmicks. For crying out loud all I want is to have a credit card period!

    My goal is to just start with something simple and work my score up, up and away.
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  2. #2
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    I have been researching this very topic!

    This is what I have found so far for bad credit and bankruptcy friendly credit cards.
    • Kay Jewelers credit card (poster was approved with bad credit a year after BK)
    • Raymour and Flanigan furniture card (BK friendly)
    • Eddie Bauer card (scores in 600's)
    Add to this list any other easy to get store credit cards. If it's your card tell the score you got approved with.
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  3. #3
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    I think the GE Money credit cards are easy to get with bad credit but they suck big time. See my other post about them.
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  4. Green Member
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    the online store fingerhut approved me with bad credit under 600, the credit line is very small but its a start. but it's not a real credit card you can only use it for buying from them.
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  5. #5
    Centurion Member Mogul of Pineapples's Avatar
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    Store credit cards remain much easier to get than prime credit cards, but approval has been stricter after the financial meltdown. The last thing stores want is to find themselves with a portfolio of bad debt again. Store cards can be a good way to rebuild credit but keep in mind that the limits are usually low and using over 20% to 30% of a credit limit isn't good for your credit score. That could make store cards for big ticket items like furniture and tires probably not the best choice because the the limit may not be much higher than the initial purchase made.

    My recommendation instead would be to try out this tool to see if you are matched for any Visa or MasterCard offers (which are much better for building your credit score up).
    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
    Primary Everyday Card: American Express Blue Cash
    Primary Travel Card: Chase Sapphire Preferred
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