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While you still have bad credit (which I did at one time), you are going to have to pay a fee to get an unsecured card. And I paid those fees. I never, even with my 537 credit score - never had a secured card.
I went with the cards for bad credit, with fees and high interest, and very low limits. I charged, and immediately paid them off. It is now two years later, and I have any card that I want - and a 749 credit score. I would never get a secured card - the unsecured are too easy to get. The high fees are your cost of rebuilding your credit... just my two cents worth.
This answer was last updated on 07/11/19 and it was first published on 05/30/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Kay Trine, Member
@kay_trine
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You don't have a lot of options there, but I think the Fingerhut credit card is pretty easy to get approved for. And Credit One Bank also had a couple of unsecured credit cards for people with poor credit.
This answer was last updated on 11/21/18 and it was first published on 01/30/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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@chandan_mishra: You don't have a lot of options there, but I think the Fingerhut credit card is pretty easy to get approved for. And Credit One Bank also had a couple of unsecured credit cards for people with poor credit.
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Spencer E Razo, ASE CERTAFIED AUTO TECH.
@autodude56
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Credit one has my wrong account number wrong paydates and they are hard to dispute BOTTOM LINE IS CREDIT ONESUCKS
This answer was last updated on 01/25/22 and it was first published on 01/16/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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Submit a complaint against the bank with the, "Consumer Financial Protection Bureau (CFPB)".
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chucky0940, Member
@chucky0940
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Citibank... Secured Credit Card. No Fee. Got it with 550. Now at 599 after a month!
This answer was first published on 02/22/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
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