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  1. #1
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    Default I need a credit card but I have bad credit?

    Please someone help me with this. My credit is totally ruined and I really need to get a card here soon.

    I have charged off medical bills from when I was taken to the hospital in an ambulance and not by my permission mind you. It was for a seizure I had while i was staying at a friends house. He called 911 even though my seizures happen normally and are not dangerous. Damage was $900 ambulance bill and $4000 ER bill. I would have paid it with a credit card but didn't have one at the time because this was after I had a bad credit score.

    My apartment lease broken and is on my credit report. It happened because my roommate was a total delinquent on drugs and I had to get out of there. He left too and it and apartment manager reported it.

    My first credit card was charged off to collections. I had some rough patches with unemployment and had to stop paying. It was Bank of America Visa Platinum with $2000 limit. That went to collections and I didn't want to pay because they ripped me off with too much in fees and interest.

    I am with Bank of the West and wanted to see about getting a card with that that was secured but am 99% sure they don't have one. I don't want to move to a different bank or credit union. I really need a credit card though.
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  2. #2
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    Try putting your basic info on CardMatch - Check Your Pre-Qualification For Credit Cards In 60 Seconds. See what pops up. Its a soft pull on credit too so it will not hurt your score. Then with the choices that come up, choose the one that is best and apply for it. That will be a hard pull but chances are better of being approved by chosing thru this site.
    MDL

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  3. #3
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    I’ll assume by you putting your personal business out like that you are looking for advice that will really help.

    I’m going to be frank here: you aren’t really in a position to dictate terms. Your credit is hosed and your only hope is a secured card or maybe there is a small bank or CU in your town that is willing to go off more than your score alone. What mdl28 suggested is good advice too. If you aren’t willing to do that then maybe BotW will give you a line of credit or personal loan and you can use that to help rebuild your credit.

    The tricky part is what comes next. If you take charge of your life and stop being a victim you can recover. I’ve survived two personal recessions and have come out stronger after each one. I had to learn the hard way that “available balance” isn’t a challenge. Today more than ever our credit score determines how we live.

    Good luck.
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  4. Centurion Member FastSRT8's Avatar
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    Secure credit is your only viable option.... unless you want to carry huge interest charges

    OR...

    You can get someone to co-sign some sort of a loan for you
    Carpe diem quam minimum credula postero!
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  5. #5
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    Well you say your bank doesn't offer what you want. Then you have no choice but to go elsewhere.
    And as mentioned, in your position there won't be many takers. If you think this is terrible just ask yourself this - would I lend to a person like me. Answer it honestly. Not trying to judge, just to show you how they view it. But I sure have no right to judge I've charged off cards unfortunately. My own answer is - I would not lend to who I was years ago, but I would today in a heartbeat.

    Anyway, you can try one of the secured cards, but you may be "lucky" to get in with First Premiere or Credit One or one of those companies. I think in the end you will have to take what you can get and at this point I'd be shocked if that was much at all.

    Just trying to tell it honestly, no judgement intended.
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  6. #6
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    Quote Originally Posted by MemberSince99 View Post
    If you think this is terrible just ask yourself this - would I lend to a person like me. Answer it honestly. Not trying to judge, just to show you how they view it. But I sure have no right to judge I've charged off cards unfortunately. My own answer is - I would not lend to who I was years ago, but I would today in a heartbeat.
    To expand on this. OP, please try to explain to us what YOU have done to change. You got taken to the ER and treated. Ok, so you pay. What have YOU done to ensure that the next time that happens YOU will pay for it? You screwed your landlord out of money because you didn't like your room mate. How can we be 100% sure you will never do that again? You ripped off BofA because you lost your job and didn't like the fees that you agreed to pay. If I lend you money, how do I know you won't do that to me?

    Honestly, I am not trying to be a hardass. I am telling you what you are going to have to convince any bank of. You say you need a credit card. Why not a debit card? After a few years with a solid bank balance an no overdrafts on your debit card you bank will probably give you a basic credit card. Right now you might be able to get a secured card but you are going to pay big fees, which you won't like, and will tick you off so you stop paying. Rinse repeat.

    Your behavior has proven to lenders that you are a deadbeat who can't be trusted. Now you need to prove that you have changed. It takes years to do that and one tiny little misstep will start you all over again. If you are really serious about this then I am suggesting you think about what you have done to change and use us here as a sounding board. If you can't convince us you will never convince a banker!
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  7. #7
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    Quote Originally Posted by FastSRT8 View Post

    You can get someone to co-sign some sort of a loan for you
    Agree. But even if it were my own child there is no way I would cosign with that kind of history unless I had strong evidence of significant and fundamental change.
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    " If you take charge of your life and stop being a victim you can recover"

    +1

    Once you get rid of this external locus of control mentality you can get back on track.
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  9. #9
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    Quote Originally Posted by DoingHomework View Post
    Agree. But even if it were my own child there is no way I would cosign with that kind of history unless I had strong evidence of significant and fundamental change.
    I would not co-sign for anyone, period. If anyone is going to drag my credit down, it's going to be me.
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  10. #10
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    You know guys in all fairness, here, if you are out of it from a seizure and they put you in an ambulance and take you to the ER and you aren't capable of stopping them it's really not your fault over that.

    I've been tempted to put something in my wallet saying if I'm incapacitated let me die rather than run up 50k in debt. I do not want to go through that death is preferable in my view to our system here. I mean I have insurance and I could still be on the hook for many thousands of dollars and I have no clue what the hell is going on and no say in it. Doesn't seem right to me. I also know for a fact that both doctors and dentists, some of them anyway, see us as "cha-ching" and they will recommend stuff you really don't need just to make that country club or Mercedes payment, with no regard to whether we can afford or really need it or not. Scream at what I said if you like but I have experiences with it. I take what they say with a grain of salt until they earn my trust, which can happen but I don't just trust them right off the bat anymore and take whatever they say as the "word of God". Ever heard the advice of a second opinion?

    Anyway, I'm not going to judge. I don't know the full circumstances. I've lost my job through no fault of my own and not been able to pay my bills before too (a lot of us have I'm sure). I don't see what good it does to judge now it's water over the dam.
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