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MamaBear1991

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My credit card app keeps getting denied for being too low what can i do to build it?

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I am not really sure what you are asking, so please ask a new question if this does not answer the question that you have. If you cannot obtain a credit card due to a low score, you may want to check into secured credit cards, store cards issued by Comenity Bank, or credit cards from subprime lenders such as First Premiere or Credit One (those cards are very expensive and should be avoided though). Really do your research by reading reviews and such on a card before applying so you can get an idea as to whether you should apply or not. Also, many card issuers will have a preapproval page on their websites where you can test the waters without a hard inquiry.

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I agree !

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Agree with the reply. Your going to have to do some digging - pull all of your credit reports at annualcreditreport.com CK is great - but it doesn't pull Experian, just TransUnion and Equifax. I'd imagine its because of what we call a "thin file" or not enough credit unless there are baddies on there (collections, tax liens, late pays). Best way to start, go to a credit union, open a savings account, make a deposit. Some credit unions have what's called "fresh start" program, they'll issue you a credit card based on how much is in your savings account. (That way if you don't pay they just take your savings). These cards are typically superior to "Secured" cards by banks as they don't have fees and they report to the credit bureau as a conventional credit card (not a secured card).

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