mamalady Posted July 18, 2005 Report Share Posted July 18, 2005 i'm sure that credit card approvals are strickly score driven. what sort of scores do you need to get approved for cards with "decent" rates?what have you all experienced? Link to comment Share on other sites More sharing options...
jq26 Posted July 18, 2005 Report Share Posted July 18, 2005 I'm not so sure they're score driven. And it all depends on the creditor you are applying to. With a recent BK7, my scores were in the toilet. BP denied me for a gas card, and I was denied a secured loan at my bank (of 5 years, no less). But in the same month of these denials, I received a platinum Providian card, and I recently received a Patelco 1% rebate card with an 11% rate. My point is, I am finding that I can't get credit to buy a stick of gum with some creditors, but others will roll out the red carpet. So IMO, they go beneath the score and check for derogatory info. For decent rates, join all of the credit unions you can. They are the best. Low or no fees and decent cards. If you have no credit, then get a secured card and move up to unsecured after 6 months. Link to comment Share on other sites More sharing options...
Bjoeboo Posted July 19, 2005 Report Share Posted July 19, 2005 Another thing with credit cards they usually only pay to pull one bureau. Unfortunately for me most CCs pull EXP. Anybody know a good CC that pulls TUC? Link to comment Share on other sites More sharing options...
mamalady Posted July 19, 2005 Author Report Share Posted July 19, 2005 i didn't realize there was a whole other forum dedicated to credit cards and rebuilding credit. i found several cards there that i may try after a few more things are cleaned up. Link to comment Share on other sites More sharing options...
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