Best way to get a credit card?

I'm ready to get a credit card. I've applied for a few online, and I have gotten no responses at all. It's getting a bit frusterating. Why is it taking them so long to respond, and does anyone have any advice on getting a credit card?

Hello my friend,

Thank you for taking the time to write to me about your issue of not being able to get a credit card.

You are caught in what is called a catch 22. You have to have a credit history to get credit, but if you have no credit, how do you build a history!

Well the first thing that you do is apply for a credit card like Victorias Secret. They will approve new borrowers. You will probably get a 200 credit line.

Then you apply for Capital One and they have a new credit program.

The next option is to go the secured card route, which I recommend to my clients, as this is the fastest way to build a credit score (SEE FICO.COM)

If you do this, you will then need to male a purchase on each card and pay doulbe payments for 6 months. After you do this for 6 months, you can buy a car, or whatever you want!

It is a great system! You just have to know how to get started! If you need any assistance, let me know!

Let me know!

Thanks So Much, and please provide positive feedback!

Have a great day !

Robert Paisola
Chief Executive Officer
Western Capital Financial Services and
The Success Training Network
www.mycollector.com
www.RobertPaisola.com

ABOUT YOUR AUTHOR:

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One: applying for credit online is a risky business, taking into account the scams involved.

Two: The more you apply to, the more points you get on your credit record. Don't keep applying! 7 max!

Three: Obtain your credit record from Equifax and Transunion (should be free, and available online). Do you have a mortgage? a car payment? Simple rule: Mortgage looks good, car payment looks bad.

Four: No Credit = bad credit. You probably know this. Consider applying for a credit card with a credit union! They give out cards to anyone (not to say you are just anyone).

Some of those companies require some proof for your credit history. They may want to see how your earlier experiences with banks went, if you pay ur due amounts regularly...etc

Personally, i dont trust any company on the internet, especially with something this important(financial wise)... So i recommend that you go to a bank or a credit card company and apply for your credit card personally and take the contact information of the person who helped you in opening the account, this way, you can track your application closely.

Advice:

I personally advise you to check and compare a couple of credit card offers before choosing one. The things to check for are:

- Interest Rates
- Minimum Payment Percentage
- Annual Fee
- Any additional charges (this is the most important point because they always charge you for stuff you dont know about or havent subscribed to)
- Number of interest free days that you can wait before you settle your payment (my bank gives me 52 free interest days to settle my transactions)
- Additional offers that you might get with the credit card

P.S: MAKE SURE YOU PAY YOUR DUE AMOUNTS CAUSE INTEREST ACCUMILATES AND INCREASE REGULARLY!! :))

Good luck

P.S: If you can go on with your life without a credit card, do that!

Don't. I have had one since I was 18. I haven.t used it for nearly 5 years and I am still paying it off. Credits cards and store cards are the worst thing in the world. I really regret getting mine.

It's your first credit card, so you're probably being denied for insuficent credit. It's one of the catch 22s. If you don't already have credit, you can't get it, but sometimes people are lucky are were able to slip through that. I got approved for a credit card when I took out a student loan to pay for my college. But, you shouldn't do that, just to get a credit card. You have to build up your credit somehow though. I think the first thing to do to build your credit would be to apply for a couple of gas cards.

try orchard bank or first premier bank- they are the easiest to get, but their fees are high. Be sure to read the terms and conditions first.

get a student card. They won't deny you.
--------------------------------------...
http://www.bestcreditrates.net

Apply through your bank

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