Credit Cards?

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iKitsune
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Postby iKitsune » Fri Nov 07, 2008 12:31 pm

Right now, I'm trying to find any credit card that I can get with absolutely 0 credit history. I don't care about APR or fees, I just want to do BF with it. Any ideas?

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GinaBeana87
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Postby GinaBeana87 » Fri Nov 07, 2008 12:34 pm

iKitsune wrote:Right now, I'm trying to find any credit card that I can get with absolutely 0 credit history. I don't care about APR or fees, I just want to do BF with it. Any ideas?


Do you have any National City Banks in your area? They give out credit cards to ANYONE i mean ANYONE. You dont even need a social security number....

That is what i have heard anyway.

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iKitsune
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Postby iKitsune » Fri Nov 07, 2008 12:35 pm

GinaBeana87 wrote:
iKitsune wrote:Right now, I'm trying to find any credit card that I can get with absolutely 0 credit history. I don't care about APR or fees, I just want to do BF with it. Any ideas?


Do you have any National City Banks in your area? They give out credit cards to ANYONE i mean ANYONE. You dont even need a social security number....

That is what i have heard anyway.

I don't think so, but I'll look into it.

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Postby MikesTooLz » Fri Nov 07, 2008 12:37 pm

You could try here or search for some place that will give pre-aproved cards. Or if you get anything in the Mail that says your pre-aproved for a cradit card. If your pre-aproved they will give you a credit car before even checking your credit or anything.


https://preapproved.bankofamerica.com/c ... quiry.aspx
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Postby Tony » Fri Nov 07, 2008 12:38 pm

iKitsune wrote:Right now, I'm trying to find any credit card that I can get with absolutely 0 credit history. I don't care about APR or fees, I just want to do BF with it. Any ideas?

My first credit card was from chase at the age of 18, 0 credit history, $500 limit
Last edited by Tony on Fri Nov 07, 2008 12:39 pm, edited 1 time in total.

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GinaBeana87
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Postby GinaBeana87 » Fri Nov 07, 2008 12:38 pm

Yeah, not sure how valid that info is, just what i have heard from people. Anyway Citi Card gave me my first card with no credit history. I only got like a 1000 dollar limit though :?

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Postby bfaddict » Fri Nov 07, 2008 12:44 pm

Rendi2 wrote:I don't completely understand credit reports BUT I have learned that Capital One does not put your credit limit on your report - and so it always looks like it's maxed out and so that somehow has an adverse affect on your credit score. We learned about this and closed capital one accounts.....


i have also heard about something like this about capital one. my mom told me and she works for a bank. she said capital one is the worst CC for your credit report. i can't remember why but it was to the effect that it somehow shows your credit limit instead of what you owe therefore giving you a poor credit rating.

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Postby Eddyisgreat » Fri Nov 07, 2008 12:46 pm

Word of advice: READ EVERYTHING.

Read the online application's terms and agreements VERY closely before even applying for an offer, or if you get one in the mail, read up everything that comes with it AND read the card's terms and agreements before activating it. I've seen some pretty outrageous stuff. One trick is to have the consumer activate the account online without disclosing the fee's upfront (buried in documentation) then have the consumer resposible for the fees apon recieving the card whether they activate the card or not (because they claim that the "account" has been activated).

I've seen one card which had about 240 dollars in fees right off the bat.
Activation fee + card fee + just cuz we can fee + annual fee.

Pretty crazy stuff.

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Eddyisgreat
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Postby Eddyisgreat » Fri Nov 07, 2008 12:47 pm

bfaddict wrote:
Rendi2 wrote:I don't completely understand credit reports BUT I have learned that Capital One does not put your credit limit on your report - and so it always looks like it's maxed out and so that somehow has an adverse affect on your credit score. We learned about this and closed capital one accounts.....


i have also heard about something like this about capital one. my mom told me and she works for a bank. she said capital one is the worst CC for your credit report. i can't remember why but it was to the effect that it somehow shows your credit limit instead of what you owe therefore giving you a poor credit rating.


This is true , they also misrepresent your payment history (or they did mine) by not reporting and leaving a blank. I can't tell if its marking my score or not.

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iKitsune
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Postby iKitsune » Fri Nov 07, 2008 12:51 pm

Eddyisgreat wrote:Word of advice: READ EVERYTHING.

Read the online application's terms and agreements VERY closely before even applying for an offer, or if you get one in the mail, read up everything that comes with it AND read the card's terms and agreements before activating it. I've seen some pretty outrageous stuff. One trick is to have the consumer activate the account online without disclosing the fee's upfront (buried in documentation) then have the consumer resposible for the fees apon recieving the card whether they activate the card or not (because they claim that the "account" has been activated).

I've seen one card which had about 240 dollars in fees right off the bat.
Activation fee + card fee + just cuz we can fee + annual fee.

Pretty crazy stuff.

At this point, as long as there would be open-to-buy room on the card, I wouldn't care about fees. If I can't get a CC, looking at payday loans and other alternative funding sources.

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Postby heather3781 » Fri Nov 07, 2008 1:45 pm

iKitsune wrote:Right now, I'm trying to find any credit card that I can get with absolutely 0 credit history. I don't care about APR or fees, I just want to do BF with it. Any ideas?


Check through your bank. Bank of America has secured cards where you put up like $100 dollars, which they put automatically into a savings for you - it has to stay there for a period of time, and you have a $500 limit card. At the end of the time, the $100 is yours back. It's a good way to build credit, and savings :-)

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iKitsune
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Postby iKitsune » Fri Nov 07, 2008 1:49 pm

heather3781 wrote:
iKitsune wrote:Right now, I'm trying to find any credit card that I can get with absolutely 0 credit history. I don't care about APR or fees, I just want to do BF with it. Any ideas?


Check through your bank. Bank of America has secured cards where you put up like $100 dollars, which they put automatically into a savings for you - it has to stay there for a period of time, and you have a $500 limit card. At the end of the time, the $100 is yours back. It's a good way to build credit, and savings :-)

In case you haven't been following my thread in 'Off Topic', I'm not speaking to my bank right now.

heather3781
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Postby heather3781 » Fri Nov 07, 2008 1:54 pm

iKitsune wrote:
heather3781 wrote:
iKitsune wrote:Right now, I'm trying to find any credit card that I can get with absolutely 0 credit history. I don't care about APR or fees, I just want to do BF with it. Any ideas?


Check through your bank. Bank of America has secured cards where you put up like $100 dollars, which they put automatically into a savings for you - it has to stay there for a period of time, and you have a $500 limit card. At the end of the time, the $100 is yours back. It's a good way to build credit, and savings :-)

In case you haven't been following my thread in 'Off Topic', I'm not speaking to my bank right now.


oops missed that....but in that case, you could always move from one bank to another, and open everything all at once through the new bank. Or, instead of moving, only open the card in the new bank.

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Postby killasnake » Fri Nov 07, 2008 3:15 pm

GinaBeana87 wrote:Yeah, not sure how valid that info is, just what i have heard from people. Anyway Citi Card gave me my first card with no credit history. I only got like a 1000 dollar limit though :?


Nowadays with the economic situation we are in, credit card companies are not taking any chances to loosing money. Most of the time credit limit for a person with no credit history will be given a $500 credit limit.

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alternative

Postby newkirk32 » Fri Nov 07, 2008 3:25 pm

Well, an alternative could be the in-store cards that BB and CC offer, as mentioned in my previous thread. I also have no credit history and am just using this for BF. I know that BB offers this on all purchases storewide so you can rack up your BF items and have ~18 mos or more to pay it off... just beware that the interest is around 25% if you are late or don't pay. Also, getting approved is pretty easy as well. I am pretty sure as long as you don't have horrible credit you can get one of these.


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