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jrmiller72

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Unsecured Credit Cards for poor credit
I have a credit score of 556 with the only debit being a repo'd car about 6 years ago. (no credit card debit) I would like to rebuild my credit, but don't want to put any money down. So, I'm looking for a unsecured credit card with no money down. Any suggestions?

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Fingerhut

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You could always mosey on over to Fingerhut and apply for their line of credit, easy cheesy. 

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I would try Capital One's pre-approval site see if anything come up for you, be sure to check the "average" for your credit level. it's probably your best bet for the unsecured credit card without high fees.

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Most likely the only unsecured cards that you will find will be from predatory lenders and while you are not handing out money to get the card, you are instantly acquiring debt with a very small line of credit. The cards issued by predatory lenders come with all kinds of fees and the fees take up almost all of your credit line and then if you actually use the few dollars of credit that remain after the fees, the interest rate will be extremely high. Save up a few hundred dollars and get a secured from a more reputable lender, you will thank yourself later. If you cannot afford a few hundred bucks to get a secured card, you cannot afford to get an unsecured with a predatory lender.

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