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  #1    
Old 04-19-2007, 10:15 AM
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Default I need a fucking credit card
I have no established credit and noone will approve me for a credit card >.<
So... whats the best way to go about getting a quick credit score and/or whats a good card to apply for if anyone is knowledgeable on the topic?
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Old 04-19-2007, 10:29 AM
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Hmm, a bit off topic, but a great question, all the same.
Some common ways of establishing credit are a car loan. My 1st loan was to purchase a living room set.
You might also try a secured credit card, where your credit limit is matched by your deposit at the bank. Than as you make timely payments, you build a worthy credit reputation.

Simply opening a checking account and getting a debit card with the visa logo, or master card logo, may help.
I hope this helps you.
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Quote:
Originally Posted by ximor View Post
I have no established credit and noone will approve me for a credit card >.<
So... whats the best way to go about getting a quick credit score and/or whats a good card to apply for if anyone is knowledgeable on the topic?

Last edited by videoman40; 04-19-2007 at 10:59 AM..
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Old 04-19-2007, 10:53 AM
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go to mall and get a gift card. I know they have them around christmas.
You can give them as gifts. They are prepaid credit cards usually visa or master card.
No info required as I recall. If there is you do not have to give real name.
The more I think about it I think you can get these at some gas stations.

Last edited by midgradeindasouth; 04-19-2007 at 10:55 AM..
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Old 05-08-2007, 12:44 AM
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Get a pay pal account and get the PAY PAL Master Card linked to your account. You can only spend what you have but its still a MC. Otherwise Orchard Bank or Providian Bank might rip you off for a card. (Interest is not the greatest but beggars can't be choosers right)
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Old 05-08-2007, 08:26 AM
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Go to a gas station or somewhere of the like and buy a prepaid Visa or MasterCard. Usually they charge you a couple of dollars to load them, but after that, it's almost like a gift card that you can use anywhere.
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Old 05-08-2007, 12:49 PM
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If you have ever had a cell phone, utillity such as gas or electricity, home phone, rented an apartment or home, then you are establishing credit. When crediters pull up your credit bureau, it tells them on each of these accounts how many times you have been billed, how many times you have been 30 days late, 60 days late, etc. It tells them if it has been to collections. If you never paid. If you have tax leins. In short, they see alot of stuff. So when you do start establishing credit make sure you pay your bills and pay them on time or it will come back to bite you in the ass. If you want a credit card to buy stuff online, some banks will give you a pre paid credit card. It works like a phone card. You go to the bank and give them money and they put that balance on the card. Some people use these when shopping online because they fear getting thier credit card information stolen in cyberspace. So instead of getting a card with a $50,000 limit stolen online they use a prepaid card with $500 on it. Good luck.
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Old 05-08-2007, 12:52 PM
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Quote:
Originally Posted by ximor View Post
I have no established credit and noone will approve me for a credit card >.<
So... whats the best way to go about getting a quick credit score and/or whats a good card to apply for if anyone is knowledgeable on the topic?

is this to buy one item or are you looking for a personal credit rating.

i too need to establish credit. i assume a car loan from my bank would be a good place to start? wait screw the car i want a new bike.

Victory Motorcycles - Bikers Dream - Peoria, IL
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Old 05-08-2007, 01:05 PM
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i got my creadit card after i paid a car loan and keeped a job for 3 years thta helps heaps
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Old 05-08-2007, 01:32 PM
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Please do yourself a favor and do some thinking before you do any charging, follow this link to hear what a Harvard Law instructor says about the money grubbing credit corporations,,,,peace
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Old 05-08-2007, 01:38 PM
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what link?

there may be a reason i don't have credit. i don't think i really want it. just for a house but other than that i can save up. i was taught that you have to earn it FIRST. then you get rewarded. credit is for people who can't save money. my buddy has major credit. cars, home, stores, ....... all he does is whine about being broke. he has everything but he doesn't appreciate it because he doesn't own it. it's a burden for him to be happy. me on the other hand saved, bought a notch lower with cash and am smilimg all day buying him coffee. nee ner nee ner.
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