nwcdrfinancial wrote:Chase offers an account called Access Checking. It comes with several limitations but you may be able to convert to a regular checking account after 6 months in good standing. You will receive a debit card with this account. You must go into the branch to open the account and they do pull your credit report for verification.
I've done this. I went from having an Access Checking account to a regular to a premier Joint account with my wife. I also just recently was able to get a Pier 1 Imports Card and Chase Freedom card.
I also paid off all negative things impacting my credit during this time (Over the course of 2 years), and the further I was away from that date of clearing my credit, it improved to the point that I can be in this position now.
If you manage it correctly, it can help you.