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Question By
BaByN33DsNewShoes

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0 People Helped
keep getting denied credit cards
i want to get a credit card with out having a bank account opened i already get direct deposit on a bank card thru social security office. yet i'm still getting denied i have fair credit so why can't i get a credit card even a 100 dollar limit one??

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If you have never had a credit card before, the only way you might get one is by getting a secured card.  To do so, you have to find a bank that issues secured cards and deposit some money into an account (that acts as collateral on the "loan" which is actually what a credit card is) and they will issue the card.  Sometimes the credit limit is higher than the amount of money deposited, but usually not.  After careful use of the card for several months, you may qualify for an unsecured card with a highewr credit limit.

The bank card you have doesn't count towards getting a credit card.  What you have sounds like an ATM card only, which allows you to spend money only to the limit you immediately have in the bank, and nothing more.  A credit card allows you to spend more than you already have.  Big difference.

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