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littleman1990

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I have like, 640, as like "fair" and I wonder WHy I cant get apply of Credit Card?????

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Try for a secured card.

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Using a credit card is like borrowing money from the bank because you are obtaining goods and/or services without an immediate exchange of cash, just your signature on a receipt.  Risky business because there is nothing tangible the bank could take to ksell and regain the money they loaned if you defaulted.  That's why they are beginning to require higher credit scores before issuing a card. 

You may want to look for a secured credit card where you deposit a specified amount of money in a bank, they issue a card with that credit limit, and you get to build your credit by charging and paying off the card account.  A good history of proper usage willl build your cred it score.

You likely can find banks that issue secured cards on this site.  Happy hunting!!

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