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Unregistered Replied on 03-10-2010, 11:54 AM
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Sub: #1 Turned down by Capital One
I was declined for a CO card offer i received in the mail. I'm feeling really discouraged. I need some revolving credit to start boosting my score. I currently have a current student and auto loan with no past delinquency, though they have high balances. I also have a couple old collections ...thats it. What can i do?

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unclewulf Replied on 03-10-2010, 05:33 PM
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Sub: #2
Store credit. Gas (oil company) cards. The list goes on...

You wouldn't be the first guy on this board to have a card from Fashion Bug. Or the first girl to have one from Lowes or Home Depot. Stay away from the ones that carry a MC/VISA logo. The straight store cards are easier to qualify for. But watch the interest rate. And remember, just because you have it, doesn't mean you have to use it.

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The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

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Unregistered Replied on 03-11-2010, 09:29 AM
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Sub: #3
Gas cards are good...if they don't have Visa logo how could i be sure they will report?

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OZZIE69 Replied on 03-11-2010, 12:56 PM
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Sub: #4
You could also consider prepaid card from your bank or credit union. Use monthly and pay off each month. Some do have fees though.

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