griffiscustoms Posted December 14, 2006 Report Share Posted December 14, 2006 I'm looking for ANY store charge card with guaranteed card approval (or damn near it). I've applied and applied and can't get anything.I'm rebuilding, and I have a secured Orchard ($200 limit) and of course a Crown Jewelers ( have made a purchase, so it's active) But NEITHER of them are on my credit report yet....I also have a bank loan that's been active (I've made sure to keep it paid even in thoughest of times)...I want ONE MORE card ....I tried Zales.....found a BEAUTIFUL ring for my wife for Christmas...got the 7-10 thing...called cust service today and she told me I'd hear in about 10 days.....so hmmmm...guess that means DENIED....I applied there because some moron on credit boards said he got one with a "507 score" ...mine's 527 (fako, EQ)......was 505 when i started repair 2 months ago....I have good income (over 50k), own a home (even though it's not on my credit) and I still can't get approved for a store card......go figure Link to comment Share on other sites More sharing options...
rmuse00 Posted December 14, 2006 Report Share Posted December 14, 2006 I applied there because some moron on credit boards said he got one with a "507 score" ...mine's 527 (fako, EQ)......was 505 when i started repair 2 months ago....I have good income (over 50k), own a home (even though it's not on my credit) and I still can't get approved for a store card......go figure That could be the problem. It has been my experience that to some creditors less than perfect credit is better than no credit. I had a pretty high experian score when I first tried for the Hooters card but was denied due to lack of credit lines on my report. Afterall, that is what credit reporting is all about, one's credit history profile. No credit means no history. People who had lower scores than me but had a mortgage which I do not have or an auto loan which I do not have got approved while I got denied. The score alone is not the only thing some of these creditors look at. If none of your present tradelines are reporting you might wait until they are before you keep trying because that could continue to hurt you. If you do a search on credit unions they might approve you. I got a card with Patelco credit union after they e-mailed me asking to explain my lack of credit. After I explained they gave me a shot and slowly after they started reporting other creditors started approving me. Be patient and continue to pay on time and it will get better. Time is actually on your side. I thought I could never achieve this yet here I am 8 positive tradelines and no negative TL's reporting when i started with 1 positive and 8 negative in March of 05. Keep your chin up! Link to comment Share on other sites More sharing options...
Tourniquet416 Posted December 14, 2006 Report Share Posted December 14, 2006 Apply for Walmart. They start you off with a low limit, but at least it's a start. Link to comment Share on other sites More sharing options...
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