Nice Cards to apply for

**Meya** · September 13th, 2007, 01:00 PM

Hi everyone, I know how it feels to want information on what credit cards to apply for when you are on your last leg. I am a member of the poor credit group, but I have learned my lesson from the previous mistakes I have made. When I first started to rebuild my credit I went to these comopanies below with credti scores in the low 400's and mearly 50 co's on my creidt report:

1. Orchard Matercard (approved) $300
2. The avenue (approved) $250
3. Capital One (approved) $300
4. Chevron (approved) $300

I stayed with these cards for almost 4 years and then I took this route, when my credit scores were in the mid 600's:

5. Credit One (approved) $250
6. Hooters (approved) $2,000
7. Jcpennys (approved) $500
8. Walmart (approved) $400
9. Lanebryant (approved) $250
10. Travelocity Mastercard (approved) $500
11. Target (approved) $200 ****after many denials***
12. Dillards (approved) $150 **they are wrong for that one***
13. Macy's (approved) $300 ***(They forgave me****
14. HC Processing (approved) $2,900 ***this was for a treadmill that was financed by GEMB but they sold me over to Citibank******
***New as of 12/18/07*** Select Comfort GEMB (approved) $2000 *** This is for the series 5000 air mattress which totaled $2200.

15.AMEX Delta skymiles (denied)
16. Discover (denied)
17. Sear's (denied)
18. US Airmiles (denied)
19 Citizens Bank (denied)
20. Chase (pending for 2 weeks)
21. Direct Rewards (denied)
22. Shell (denied)
23. best Buy (denied)
24. National City (denied)
25. BOFA platinum (denied)
26. Zions Bank (denied)
27. Citi Student Card (denied)
28. Orchard Platinum (denied)
29. First National Bank of Omha (denied)
30. US Bank Line of credit (denied)
31. The Home Depot (denied)
32. Washington Mutual/Providian (denied)
33. Dell (denied)

Cards 5-14 are are fairly new and all from this year (including Select Comfort).

Cards 15-33 are all denials from 2005-2007 with majority being in 2007. I am very proud to share my credit status with you all especially those with poor credit. My main reason for shairng the denials is because this is what happens when you begin to apply for too many credit cards and open too many new ccounts. We have to dedicate ourselves to not applying for so many credit cards and work on the ones that we currently have. Applying for credit is addictive especially when you see that big word "Congratualtions or Approved". For those who are searching for credit I reccomend the cards below:

1. ~~Crown Jewels (strong approval rate)~~
2. Captial One
3. Orchard
4. Barclays Bank Cards
5. Fingerhut
6. First Premiere (the card with the apr 8.9% and $49 annual fee) if you are not approved for the lowest apr, don't accept the card. But if you really have to, please read the fine print.
7. Dillards
8. Chevron
9. Exxon Gas Card (check to make sure they are in your area)
10. Direct REwards Discover
11. Cresent Jewelers (walk in)
12. Macy's (walk in)
13. Mervyn's (walk in)
14. Walmart (walk in)
15. Target (don't let the denial discourage you)
16. Jcpennys (walk in)
17. Women's department stores (Lanebryant, the Avenue,) for plus sizes
18. Hooters Mastercard
19. Old Navy
20. The Childrens Place (walk in)
21. Credit One
22. Kay's

This is the best I can think of for right now, i will always add more when I hear about them. Hope this helps.

**Tonya** · September 14th, 2007, 06:26 PM

Thanks Meya for so much good info. THis is just what I needed. I will heed your advice about so many inquiries. I have 10(8 this year). Enough is enough!!!

**pamela2** · September 14th, 2007, 09:04 PM

hi meya its pamela thank u on the advice for the card i left u a message on the other site i want 2 let u know i will keep coming 2 u for advice haha if my husband doesnt get me first again thank u and my membership is under pamela2

**Meya** · September 14th, 2007, 11:49 PM

You two are sooo welcome! If any of you apply, post your response on the credit review and let us know in here also. I am going to start a new forum for "Who denied/approved you?"

**pamela2** · October 22nd, 2007, 07:32 PM

hi everybody here is the cards and credit limit i have on them
(my credit lines are not alot like some of you guys but im working on it)

Peebles 1,340.00 i had this card since 1996 (but dont use that much)
household master card 800.00 i had this card since 2006 (use alot)
household visa 500.00 same year as the one above (use alot)
target 200.00 just got last month (used alot)
credit one 200.00 just got today
dillards 150.00 just got last month (used 3 days ago)
macy's 100.00 just got last month (never used)

but i have been denied alot of cards that i really didnt need but tried to get (smacks forehead), but im gonna work my tail off and get the ones i have paid off so i can get the 2 cards i really really want (old navy and toysrus)

**pamela2** · November 1st, 2007, 01:39 PM

hi everybody here is a update i applied for a Hooters card 2 months and was denied the 2 times i applied but i guess something changed their mind i got the Hooters card 3 or 4 days ago (i think) with a $1000.00 credit limit (had to pay a fee of $72.00)
but thats ok im happy with it. so those who feel like giving up dont look what happen with me.

**hjm331** · December 26th, 2007, 03:47 PM

Wow Meya, that's some vital information you posted over there. Based on my experience with credit cards, I think you should get a couple of these cards and stick with them for at least 3 years and make no late payments, don't go over your limit, increase your credit limits, and watch your utilization. Remember, the higher the credit limit, the less you would be using your credit percentage wise.

Here are good starter cards for early adopters which I have:
1. Capital One Platinum MC ($1050-Started with $500)
2. Capital One Standard Platinum MC ($1000-Started with $500)
3. Orchard Bank MC ($300-NO CLI's yet)
4. First Premier Bank ($250- Don't recommend it though, too many dumb fees)

In my honest opinion (IMHO) I think the best thing to do is get a secured card and build positive credit with it. If you don't have money to put up, then your best bet is to go with Capital One

**Meya** · December 26th, 2007, 08:13 PM

Thanks buddie, we are on the same track. I don't like the cards with the ridiculous fees like First Premere, Continental, Aspire, Tribute, Imagine, etc. I never applied for those cards a day in my life. Having a secured card is a good thing but if you have to get one, it is best to go through a well known local bank. Its looks better on your credit report, not saying that the rest don't, but it is a good place to start. Thanks for responding here, it will be valuable for the next member who reads it.

**hjm331** · December 26th, 2007, 10:09 PM

Originally Posted by 100008

Thanks buddie, we are on the same track. I don't like the cards with the ridiculous fees like First Premere, Continental, Aspire, Tribute, Imagine, etc. I never applied for those cards a day in my life. Having a secured card is a good thing but if you have to get one, it is best to go through a well known local bank. Its looks better on your credit report, not saying that the rest don't, but it is a good place to start. Thanks for responding here, it will be valuable for the next member who reads it.

Ya your right Meya. But it's hard getting credit cards with Bank of America unless you get a secured card. My first card was with Capital One and they approved me for an unsecured card when I didn't have one day of credit on my report. That's why I recommend them so much and they've been one of the most important cards that are helping me build positive credit on my report.

**gk8491** · January 24th, 2008, 08:06 PM

When I came to US I got Citi Dividend Platinum Card for College Students($3000 CL) and Citi mtvU Platinum Select Card for College Students ($ 1500 CL) with zero credit history in this country. 6 month latter I was approved for Discover Classic for Students ($1000 CL) and American Express Blue for Students card ( $ 500 CL). Try those cards hmj 331. They are very easy to get approved for new in this country, young people and/or people with very limited credit history. You must be a student, of course.

**cobalt007** · January 25th, 2008, 01:30 AM

Wow! That is one heck of a list :) I think you have uploaded all of them. It can be really helpful to those who are seeking for a suitable credit card.

**hjm331** · January 25th, 2008, 10:36 AM

GK, thanks for that very valuable info ;) Unfortunately, I'm not attending school right now because I just want to stay focused on expanding my dad's business because it's a full time job. I'll probably have to sit this one out and wait a couple years until my credit history is long enough for the creditors to give me the card that I deserve.

**Attagirl** · February 28th, 2008, 09:35 PM

Why in gods green earth would anyone need so many cards. Did you know that the amount of revolving credit or credit cards does effect your credit score, and you would likely be more in the 800 if you did not have so many cards.

What is the purpose of so many, just asking?

**Meya** · February 29th, 2008, 07:02 PM

What is the purpose of so many, just asking?

Well all I can say is that it was my choice to have these cards and 3 have been closed since you have read this (or do you see it now). I will get to the 800 club soon with the cards that I do have, so it does not matter about what you have, it is all about how long have you had them and how well you can pay on them.

I came from the low 400's and I am in the 668-680's as we speak, what got me to the 668-680's was when I applied for more accounts. Some people like to have 3 cards and some like to have just one, but I took the motion to go for the "Love Button" and I have not failed yet (knock on wood)...lol.

Basically, it is by choice, you are going to run across many people in here that is rebuilding and want to have as many cards as they can get. When you have been messing up your credit all your life, it is a rush to apply and see the word approved. This is my story, let's wait and see what someone else says.....next.

**lmartin** · March 6th, 2008, 11:56 AM

Hi Meya - Thanks a bunch for sharing with us, it's a big help for folks like me! I'm in the process of trying to increase my credit score but afraid of applying for secured credit cards because I may get rejected and inturn, decrease my already low score. I just pulled my FICO, which is (584) and right now my scores are:

EXP:600
TRU:584
EQU:580

I currently have 2 open accounts, JC Penny's, First Premier, and a car payment which I've payed really good on and only have 2 more payments left. Which card do you suggest that I apply for next with a good chance of success?