Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
sweetfoxangl

0 Contributions
0 People Helped
how can i get accepted for a credit card but it not hurt my credit score?
i have very poor credit and I wanted to help boost it. I got denied for a credit card. What can I do to get accepted for a credit card?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
6 Contributions
15 People Helped
Most Helpful Response

Helpful to 1 out of 1 people

You may want to look into "secured" credit cards to get started.  With these cards, you may need to pay a "security deposit" of sorts so that they are backed with collateral.  As you use the card (charge things and pay them off in full each month), you will begin to build credit and help your credit score.  Over time, you will be able to qualify for normal/unsecured credit cards.  Try checking with local banks or credit unions for options that you might have for a secured credit card.

Also, it MAY be worth it to call the "reconsideration line" for whatever card you applied for and were denied.  See what they tell you about why you were denied.  Sometimes, you can work with them right there on the phone to provide additional information that MAY allow them to approve you for that card.  If it is just a matter of your credit being too poor no matter what you can offer them, then look to that secured card from somewhere else until you've established better credit.

 - John...

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.