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MrsDiaz322

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what credit card could i apply with a 523 cedit score? i really need to buid my credit

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You likely won't get approved for any credit with that score. You'll have to use secure credit to get that score up. I suggest getting a secured credit card and a secured loan from a bank of your choice. That way you will have 2 different types of open credit (revolving and installment).

To secure a card or a loan, you have to put money into it - kinda like collateral. For example, if you open a secured card for $500, you need to put that $500 up against the card. Then use the card like you normally would, and make payments on your purchases. After a certain amount of time of good payment history, your score will start to rise. At some point your score will be high enough for that card to become unsecured. You'll get your $500  back and the card will be a normal credit card.

Don't apply for more credit than you need, or more than you can afford. That's how you get into trouble. :)

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