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  1. #1
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    Default What is the easiest gas card to get approved for w/ bad credit?

    Are gas cards easy to obtain? My husband is trying to rebuild his credit score after his brother effed up his credit for a car.. finally the car was done in November, but still it shows up on his credit report the baddies...

    Last January I told him to get a secured credit card from Capital One to start rebuilding his credit again.. and I extended my Amex Green and Walmart credit card and added him as an authorized user. It does help him right? I have a good credit but i just feel sorry for him.

    He applied 2 wks ago for the Chase Freedom card but denied him. So now he wants a credit card for himself. And i think I read in this forum that the easy ones are like gas station credit cards... what would you guys recommend?
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  2. #2
    CCG
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    Even with bad credit, it still might be possible to get a secured or entry-level unsecured Visa or MasterCard. Getting one of those will be a lot better than a gas station card that can only be used at one place. Having major credit cards (like a Visa or MasterCard) are important for rebuilding credit.

    Before you apply for a gas station card, I would strongly recommend you try out this sponsored tool to see if you might pre-qualify for something better. Checking will not hurt your score.
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  3. #3
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    I agree with you on the secured card and yes by adding him as a AU it will help his credit.
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    Having him as an AU is a great idea as long as the creditor puts the card on his credit reports.

    I don't think the gas cards are worth it. You can only use them for one brand of gas.

    Bank of America has a good secured card program and there is a good chance of being graduated to an unsecured card.
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    Probably the Chevron card because it is issued by "everybody-gets-a-ride" GECRB. Looks like you are in Cali so that would be a good call. Your Shell, ExxonMobil and 76 cards are issued by Citibank and are a bit more difficult to obtain.

    Back when Chevron still owned their own credit card portfolio they actually had a starter card for people with scandalous or no credit.
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    +1 if Chevron is issued by GE
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    Quote Originally Posted by namvet View Post
    +1 if Chevron is issued by GE
    Yep. GE = GECRB (formerly known as GEMB and prior to that GECCC).
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    so go for chevron? i've been telling him to go with gas cc's first since he's in the stage of rebuilding his credit.. so if its from GE is not to hard to have one of their cc's?
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  9. #9
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    Quote Originally Posted by newbiecredit View Post
    so go for chevron? i've been telling him to go with gas cc's first since he's in the stage of rebuilding his credit.. so if its from GE is not to hard to have one of their cc's?
    GE is pretty easy to get in with.

    I would also recommend a secured credit card (Visa/MasterCard). Opening a bunch of gasoline and store cards won't really help him in the long run.
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  10. #10
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    all he has is a secured capital one.. thats why he is looking for another card..

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