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RMRivera

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Major credit card or personal loan first?
I need a major credit card because most transactions require one. I also need to make a personal loan for home improvements. Question is, will applying or getting a major credit card affect my eligibility for a personal loan?

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Redardless of which credit you apply for first, it will affect the second.

Common sense says you should apply for the home improvement loan first sinc eyou can always get a prepaid card/secured card for purchases. Consider hwoever askign fro both from the mank who hodls your morgage if you have any and your local credit union (after becoming a member)....

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RMRivera

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The reason I need the major credit card is because I have to have one for car rentals, hotel reservations, etc. hence pre-paid card will not help unless I have at least $1000 stashed in there.  I will try to getting both with the same bank, thanks!  

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