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i have a ck score of 698, i am 19 and i am trying to find a couple of good cards. i have been denied 3 times threw ck and only got approved once from capital one but with only a $300 spending limit please name a couple of good cards
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smcdo19
1 year ago
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if you are getting denials, then you are only hurting youself by banging your head against the wall.. NO means NO..
take the capital one card, and spend the next 6 months using it to buy gas for the car, and pay it off every month.. at the end of the 6 months they should hit you with an automatic line increase, take it and keep your balances below 45% of your available line at ALL TIMES. DO NOT go over for any reason, not even for a second.
Make every payment early or on time, never even a day after the due date. keep that up for the months 6-12, and you should see a big increase in your scores, and at least 1 or 2 new card offers in the mail.
Have patience, and stop begging. the 'good' cards will find you in time.
matman1490 1 year ago
When you're young, it's tough because you have such a short credit history. Another option you can take to build credit slowly is a department store card. You might be able to get one that doesn't actually work as a credit card except in that store, but it's a way to establish a payment history over time and slowly demonstrate that you can be trusted. If your Capital One card doesn't automatically increase the limit, you can call and ask for an increase as well.
jhrhodes 1 year ago