Low and non-existent Credit? How can I get a charge card when I don't have

How can I get a charge card when I don't have any credit and my husband's is moderate - upper 500's ... NO ONE will confer us a credit card.

We really want to establish some credit for the future.

Any suggestions?!

Target - they customarily will give you a Target credit card (only to be used there) but it will be a start - also try Cato's or similiar locally own stores! GOOD LUCK!(a)

google for a secured credit card

you have to put X amount of $ into their bank reason and they give you the X amount of credit

No problem get one at - try orchard edge they approve almost everyone

http://www.dgftaworld.net

If anyone of you are students, you can apply for the student credit cards. However if you guys are not students, then I would first start off by maintain good credit (pay all bills in good time,etc). Also you can get visa check cards from places like Washington Mutual which you can still use as a credit and lately put enough money in that statement to cover the purchase. HOWEVER, if you don't have the money to cover the expenses then I don't dream up you should get a credit card.

Utility bills in your dub?

Once you have that, go to Sears or Filenes. HAve you tried them? Maybe you enjoy.

He can co-sign with you at a local guard. Go to your bank and ask them to help you out.

I have no credit because my parents paid for all of my college, expenses, etc.

I had to work hard to acquire it in the mid-800's.

I went to my hill and they set me up on a student master card. It helped a lot. My parents remuneration cash for everything and don't care more or less credit, so they never thought it would be something important to me. It was nice that they compensated for everything, but it was a problem as I got elder and went out on my own.

You also need to lift out a small loan for $2,500 or something like that and pay it rotten. Do that a few times to help with your credit. Your interest may be soaring because you're high risk, but you can get a small loan to carry you started. Have your husband co-sign.

Credit needs to include credit cards and also loans for cars, house, etc. It's a balance between the two.

Creditors love those with bad credit - it's no credit that's the problem.

What about a debit/charge card? Target might administer someone a shot with a 500 score as would probably an American General loan bureau.

You should be able to bring a credit card. It will just have a ominous APR and a low limit. But you will never create credit without starting some righteous credit. As far as your husbands credit. Look it up. You now have the right to one free credit report from respectively of them. annualcreditreport.com is the site. Check out what is making his credit soooo terrible. Might be something on there that isn't his, lots of fraud going around. Check long-gone addresses to make sure in that are none that are not his. If he still owes some creditors resolve it. If it is a credit card call them up and find out were they are ready to settle (usually for the original debt without adjectives the late charges and interest piled on). Any collections pay! If you want to box something on the report there is a section to do this on-line. Good Luck. Hope his credit is fixable or he might basically have to file ruin, but better sooner than later.

Answer:
Hi Natalie,
Maybe the biggest like Discover or Citibank won't afford you a card, but they don't specialize in bad-credit customers. There are card issuers who will approve you.

The key contained by your case is to shop around as much as possible. Why? Simply because the more you look, the more chance you own of finding a better deal.

I did a little surfing on the Web for you, and did find a site that for helping you find the best card and comparison: http://www.lendersrated.com/index.htm...
Click on "Credit Cards If You Have Bad Credit"

I hope this help you.
Leafgreen

I agree about trying for a secured card.

Bank of America, Orchard Bank and HSBC have card selectors on their sites that will not verbs hard inquiry's for a recommendation. If you apply for a recommended card consequently they will pull a hard inq.

Orchard and HSBC are great starter cards, whether they are secured or not. But they won't grow next to you.

Bank of America has great secured cards and they will grow with you. If you hold on to the account in upright standing, you should see it unsecure somewhere around 9 to 12 months. BofA will also give better credit increases than Orchard or HSBC and will eventually work with you on a interest rate let-up.

Try for one or two secured cards, then in more or less 4 to 6 months try Walmart, Target etc.

If your husband has scores within the upper 500's, he may qualify for a Chevron/Texaco gas card. C/T sometimes gives people a card they christen a "rebuilder" if the person does not qualify for the regular card. The rebuilder does have a small allowance.

You might go to the site I've listed. Click on the Forums button after look to the upper right for CreditPulls. If your husband has a score of, say-so 580, enter 600 in the score box. Then when you find to the information, you can click on creditor, score, credit bureau etc and it will sort the information for you.