why can't I get a credit card?

[duece212 5,000+ posts]

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

And credit cards are the devil I had 19 grand in debt at one time it sucked.

It's not the credit card's fault you didn't have the self control to not abuse it. People always say credit cards are bad but it's not the card it's the user.

 

[pilyin 10+ year member]

Problem is if you apply for a store card, you might get one, but there is a good chance that it will be one of those cards that you can only use at that particular store rather than a visa/mastercard because of your lack of credit. You should look into a Capitol One card as suggested.

 

[Flipx99 5,000+ posts]

Problem is if you apply for a store card, you might get one, but there is a good chance that it will be one of those cards that you can only use at that particular store rather than a visa/mastercard because of your lack of credit. You should look into a Capitol One card as suggested.

Indeed. Capital One is the best bet for his situation.

However a store card/gas card is better than secured.

 

[gymfreak101 10+ year member]

It's not the credit card's fault you didn't have the self control to not abuse it. People always say credit cards are bad but it's not the card it's the user.

Well let me change that my wife and I had 19 grand in debt, alot of it was from buying stuff for the start up of her day care business. Which paid off the debt in a matter of months

 

[bubbagumper6 5,000+ posts]

Well let me change that my wife and I had 19 grand in debt, alot of it was from buying stuff for the start up of her day care business. Which paid off the debt in a matter of months

Well then it sounds like without credit cards your wife would have never gotten her business started...so why are they "the devil" again?

 

[Lugnutz 10+ year member]

How reputable is TransUnion credit scores?

 

[traksta15 10+ year member]

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?

i work for us cellular

 

[tipnitty 10+ year member]

i'm making little money in college and i get 3-4 credit cards acceptance letters a month and i decided that i don't even want any anymore...so your guess is as good as mine

 

[AlterEgo99 5,000+ posts]

Current recession and crappy economy has EVERYTHING to do with credit. THAT is why you cannot get a card. The credit card companies are eating billions and billions of defaulted debt, so unless you have super pristine credit or 20+ years of very good credit history behind you, currently they are very, very picky.

Also remember that a credit card is unsecured debt, meaning that if you default, the credit card company really has no way to get all or part of their money back. An auto loan is secured debt, as in, you default, the loan company/bank simply takes your car in return. That's why you can get an auto loan and not a credit card.

 

[Louisiana_CRX 5,000+ posts]

I always love getting new credit cards in the mail //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif