why can't I get a credit card?

[thegreatestpenn 5,000+ posts]

store cards aren't always easy to get especially sears. my Macy's card wasn't hard to get, but the limit was like $200

 

[traksta15 10+ year member]

i did a credit report on http://www.annualcreditreport.com and I got a 653, and im in the %14th percintile. So is the store card a bad thing?

 

[thegreatestpenn 5,000+ posts]

man ur score is low, capital one dude

 

[duece212 5,000+ posts]

i did a credit report on http://www.annualcreditreport.com and I got a 653, and im in the %14th percintile. So is the store card a bad thing?

653 isn't great, but still should be able to get approved for some stuff. That score you got is not going to be your actual FICO score unless you got it from myfico.com.

Which report did you get? Transunion, Equifax, or Experian?

Also when you look at your report do you see any accounts still showing a balance due, or any late marks?

 

[traksta15 10+ year member]

i chose all 3, it said my score was scored between 500-900 and I was a 653. It didn't even show my student loans or my at&t account on my report. Just the credit card applications from capitalone and my old and current auto loans. It didn't show any past due balances on any one of them.

 

[duece212 5,000+ posts]

i chose all 3, it said my score was scored between 500-900 and I was a 653. It didn't even show my student loans or my at&t account on my report. Just the credit card applications from capitalone and my old and current auto loans. It didn't show any past due balances on any one of them.

how many credit card app inquiries have there been in the last year?

Also if you pull a score from myfico.com you can use this database to get an idea of what people with your score are getting for approvals/denials:

http://creditboards.com/forums/index.php?autocom=creditpulls

 

[bubbagumper6 5,000+ posts]

My fico is 693...that good?

 

[Louisiana_CRX 5,000+ posts]

do like I do I'm always filling out credit card apps usuallly 50+ a day...99% will turn me down...but then there is always that occasional hit that says approved...//content.invisioncic.com/y282845/emoticons/greedy.gif.5a53e6246569d7ab79867170f3b06629.gif I also re submit them to a lot of the same places over amd over...including companies I've never paid back...this method is guaranteed to work....//content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[rippinitup7 10+ year member]

do like I do I'm always filling out credit card apps usuallly 50+ a day...99% will turn me down...but then there is always that occasional hit that says approved...//content.invisioncic.com/y282845/emoticons/greedy.gif.5a53e6246569d7ab79867170f3b06629.gif I also re submit them to a lot of the same places over amd over...including companies I've never paid back...this method is guaranteed to work....//content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

anytime you talk about loans, credit cards, and buying random expensive shit i'm actually starting to look forward to what insane advice you want to give out. i just don't know if your serious or not. //content.invisioncic.com/y282845/emoticons/crap.gif.7f4dd41e3e9b23fbd170a1ee6f65cecc.gif

 

[filtor1 10+ year member]

Getting a credit card was the worst mistake I have made my entire life. Servitude sucks.

 

[gymfreak101 10+ year member]

how did you get your credit score from annual credit report. And seriously your own bank does not have a credit card they will start you off with. Like a balance of 500 dollars or so? Something is not adding up. And credit cards are the devil I had 19 grand in debt at one time it sucked.

 

[michaellane 5,000+ posts]

22 and make 50 a year??? nice job //content.invisioncic.com/y282845/emoticons/wink.gif.608e3ea05f1a9f98611af0861652f8fb.gif and you work where? if you make 50 a year and only got a car loan of 10grand then why do ya need the credit card?

 

[AVSTANG02]

Something is wrong if you make 50 a year, only have 10k car debt and can't get even a 1k credit card..

I was getting credit cards when I didn't even have a job..

You better look into it..

 

[Flipx99 5,000+ posts]

I told you very specifically to not get all 3 at once. I also told you that you don't need your score right now.

Shit man.