Credit Cards

Do you have any other negatives on any of your 3 credit reports? Have you checked your credit file? Also, don't apply for cards because each time you do you get hit with a hard inquiry which stays on your report for 2 years. Usually around 6 companies will deny you.

Try for the Capital One Platinum, if you can't get that then go for the Capital One Secured, it will let you secure your account for as little at $49. Don't apply with any of the no-name bad credit companies, they will take you to the bank.

You can compare offers tailored to people with no previous credit experience here: http://www.cardhub.com/credit-cards/no-credit/ . Two good options to consider are the Capital One Platinum Card ( http://www.cardhub.com/d/capital-one-platinum-83c/ ) and the Capital One QuicksilverOne Card ( http://www.cardhub.com/d/quicksilverone-rewards-75c/ ) . Platinum doesn’t charge an annual fee, and QuicksilverOne charges $39 per year but also gives you 1.5% cash back.
You can also try our CardAdvisor tool, which will provide a customized recommendation based on your priorities and spending habits:  http://www.cardhub.com/cardadvisor/ .

Finally, you can keep tabs on your credit standing by signing up for a free account with our sister site WalletHub, which is the first and only website to offer free credit scores and full credit reports that are updated on a daily basis:  https://wallethub.com/free-credit-score/ . Best of luck!… read more

Our favorite is the Journey Student Rewards Card from Capital One ( http://www.cardhub.com/d/capital-one-student-rewards-credit-card-381c/ ) . It offers attractive cash rewards, and doesn’t charge an annual fee.

You find find the rest of our editors’ picks for the best college student credit cards here: http://www.cardhub.com/best-credit-cards-for-college-students/ .

You may also want to check out our sister site WalletHub, as it is the first and only site to offer free credit scores and full credit reports that are updated on a daily basis. That, combined with 24/7 credit monitoring and customized credit-improvement advice should help you get your credit career started on the right foot. You can sign up for free here: https://wallethub.com/free-credit-score/ . Hope this helps! Best of luck!… read more

Your credit limit is a product of your overall creditworthiness, your disposable income and the issuer’s underwriting standards. So the better your credit score and debt-to-income ratio are, the higher you can expect your credit limit to be.

It is possible to request and receive a credit line increase, but keep in mind that most issuers will not consider you unless your account has been open for at least six months and you’ve consistently made on-time payments. You can learn more here: http://www.cardhub.com/edu/how-to-increase-credit-limit/ .

We also recommend signing up for a free account with our sister site WalletHub to track your credit score and get a notification when you’re ready for a better card: https://wallethub.com/free-credit-score/ . WalletHub is the only website that offers free credit scores and full credit reports that are updated on a daily basis, and it also provides free 24/7 credit monitoring and customized credit-improvement advice.

Hope this helps!… read more

The Chase Sapphire Preferred ( https://wallethub.com/d/chase-sapphire-preferred-382c/ ) is one of the best credit cards on the market right now; it doesn’t charge a foreign transaction fee and its complimentary rental car insurance coverage extends to France (but not Israel, Jamaica or Ireland). The Capital One Venture Visa ( http://www.cardhub.com/d/capital-one-venture-rewards-credit-card-378c/ ) is another excellent option for racking up rewards and avoiding foreign fees.

You can also learn more about the differences between credit cards’ rental insurance policies here: http://www.cardhub.com/edu/rental-car-insurance-credit-card-study/ .… read more

Most credit cards offer some form of rental car insurance, and you can learn all about how their coverage differs from this report: http://www.cardhub.com/edu/rental-car-insurance-credit-card-study/ .

For additional recommendations, you can try our CardAdvisor tool ( http://www.cardhub.com/cardadvisor/ ) and check out our editors’-best picks: http://www.cardhub.com/best-credit-cards/ .

The first thing you should do is check your credit score, which you can do for free on WalletHub (https://wallethub.com/free-credit-score/) to get a sense for how much damage those collection accounts have done. Second, consider trying to repay what you owe, given that the newest credit-score models stop considering collection accounts once they’ve been paid.

In terms of selecting a specific card, you can check out unsecured options here ( http://www.cardhub.com/credit-cards/bad-credit-unsecured/ ), and the Credit One Visa in particular is pretty decent ( http://www.cardhub.com/d/credit-one-credit-card-676c/ ). But even decent is expensive when it comes to unsecured credit cards for people with bad credit, and your annual fee could be as high as $75 the first year and $99 thereafter. So you may also want to consider the Capital One Secured MasterCard ( http://www.cardhub.com/d/capital-one-secured-credit-card-383c/ ), which has the potential to be “partially secured,” providing a credit line as high as $3,000 for a deposit as low as $49.

Hope this helps!… read more

I recommend starting out with a secured credit card. Capital One. Bank of America and other major banks offer this service. Your score will rise quickly with a low balance and on-time payments. You can then trade up to better cards with lower interest and higher c/l.

Unfortunately, there are no credit cards that check all those boxes. However, two good options to consider are the Citi Double Cash Card ( http://www.cardhub.com/d/citi-double-cash-card-121c/ ), which has a 3% balance transfer fee but no annual fee, and Slate from Chase ( http://www.cardhub.com/d/chase-slate-614c/ ), which offers everything on your list but rewards.

You can also try our CardAdvisor tool, which provides customized recommendations based on your answers to a few simple, anonymous questions. It can be found here: http://www.cardhub.com/cardadvisor/ .
Hope this helps!… read more

The best type of card in this situation is undoubtedly a secured credit card. They’re a lot easier to get approved for than unsecured credit cards for people with damaged credit, and they tend to be a lot cheaper as well. That’s because you are required to place a refundable security deposit, the amount of which typically serves as your spending limit. You get this deposit back when you close your account, minus any unpaid balance, but in the interim it shields the card’s issuer from risk.

The best two offers to consider are the Capital One Secured MasterCard ( http://www.cardhub.com/d/capital-one-secured-credit-card-383c/ ) and the Harley-Davidson Secured Visa ( http://www.cardhub.com/d/harley-davidson-secured-credit-card-444c/ ). Neither charges an annual fee, which means they provide the ability to build credit at no cost.

For more information, you can check out our Guide to Bad Credit ( http://www.cardhub.com/edu/bad-credit-guide/ ) as well as WalletHub’s helpful guide on Rebuilding Credit ( https://wallethub.com/edu/rebuild-credit/19613/ ). Hope this helps!… read more

You can easily apply for the Lowe’s Store Card at http://www.cardhub.com/d/lowes-store-card-1791c/ . Just click the Apply Now button to be guided through the process. Best of luck!

Capital One has great build credit cards.

I have bad credit too. Try Capital One Platinum Card. Plus I don't have a very large monthly income. It was sent through the mail, I applied and now I have it. Go for it.

Hey there, do you know which score the BuyPower by Capital One checked to approve you? Cause my Transunion is a 565 and having alot of trouble getting approved.

Thanks