Credit Cards No Qualifying Resource

Jeremy P replied: "I would recommend avoiding 'store' credit cards altogether. They usually have extremely high interest rates (23.99%-29.99%) and other hidden fees. You might want to consider a credit card for people with poor / no credit here: While these offers tend to have higher interest rates and additional fees when compare to 'standard' credit cards-- you'll pay much less than a store credit card. Plus, they'll give you the chance to prove your creditworthiness and improve your credit score. Eventually... with regular, on-time payments-- you'll be able to apply for better offers with lower APR's and less fees. Hope this helps. GOOD LUCK!"

abel jarrod replied: "A guaranteed approval credit card are often used by those who have a bad credit history and are unable to obtain a normal credit card. But a great benefit of these types of cards is that will help to improve your credit rating as well as providing you with the benefits that a normal credit card has to offer. Often the limit for these types of cards will generally range between $5,000 and $10,000. When applying for a guaranteed approval credit card usually no credit checks are required. However, although you will be approved for such a card regardless of your income or credit history generally they will have higher interest rates compared to normal credit cards. American Express is the best for credit card. you can apply online for americam express credit card at:. here you can compare and choose a best one according your requirments."

sharp m replied: ""Get a Rewards credit card. Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways. * It involves earning cash back on the card, it depends on the amount you spend. * Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers. * The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions. ""

Are small business credit cards hard to qualify for? I am about to start my own LLC and need a small line of credit. Instead of trying to get a business loan, I was thinking of a small business credit card. I only need about $5000.00. Does anyone know how long a company needs to be in business to qualify for a decent small business credit card?

mich replied: "not very long from experience. A couple weeks but it depends on your personal situation. It's a good idea though because the business card gives you points so..."

reena r replied: "It wil depend upon bank"

gg replied: "First try the bank where you have your account, then try a small local bank who gives SBA loans..... Then try bank of america."

Maxy replied: "Dear friend, Always remember that any business credit cards are more difficult to get approved than personal credit cards, because for personal credit cards, the bank is convinced with your monthly income or even with your personal savings bank account but for any business credit card, the bank needs to see the performance of the company and at times the profit and loss a/c or the balance sheet etc. It is advisable, if in the event of business credit card taking long to be approved, get a personal credit card and use it for the same purpose. If you need ladies items, you may visit this Yahoo hosted site magnetic-jewelry-fashion.com and if you can sell these products, you may contact them for wholesale prices. Best wishes for your business."

P J replied: "You will qualify for a business card only if your business is listed in the business credit ratings (I can not for the life of me think of it right now) similiar to your personal credit reports. If you are "about to start", then you can forget about getting it in the LLC name, your own credit reports will be pulled and based on that information you may or may not get a credit card."

tw158 replied: "I have heard two years, but I got one after a year or so. Be prepared to enter personal information, too. That can help your chances of getting approved. There are some good FAQs here:"

A website you can enter your credit score to tell you what credit cards you can get? whats the website that you can enter your credit score in and it will tell you what credit cards you can qualify for?

What is the worst they can do to you if you owe $100k on your credit cards and can never pay it back? If you owe $100k on your credit cards and don't qualify for bankruptcy but will never be able to pay the money back, what can they do to you? Is there any way they can garnish your wages, repossess a car you already paid off, or break into your house and take your possessions? What is the worst they can do to you?

babyeliphantz replied: "You'll prob end up with really bad credit and this will make it hard for you to buy things in the future-esp things like a car, house, getting loans etc. You should try to find some way to pay it off."

Gem replied: "Why would you not qualify for bankruptcy? Here is the probable outcome. First you will get 40% interest rates that means after 1 year of non-payment you would owe $140,000, plus late fees, usually $30-$40 per card, per month They will sue you tacking on legal fees, court costs, process servers and the like. Add another 50% or so to the debt. Then after you continue to not pay, they will garnish your wages and attach your assets. Car, home, possessions, whatever. My suggestion would be to take 2 or 3 extra jobs, sell your stuff and move in with your parents until you get this paid off. Good luck"

Xerxes replied: "The worst is probably a lawsuit where the credit card companies come after any equity you have in your house or in your other assets or interests in other businesses. Yes, they could take a portion of your future wages. First off, it is best to be in communication with the credit card companies. When I was first building one of my real estate companies I got in a bind where I couldn't pay about 20K in credit card debt. For a while I could only send them $100/month, which they weren't happy about but I repeatedly told them that it was the best effort I could do at the time. Eventually, I was able to pay it off after selling a property and it didn't hurt my credit because I had been in constant communication with them. However, if I would have buried my head (like many people do) then I would have been toast. 1. Cut up your cards now if you haven't already done so. You won't be using any of them for a few years probably. 2. Get on the phone with the credit card banks and explain that you want to pay them off, but you need to figure out something that you can afford. They may not be able to help you immediately but you need to create a track record of at least trying to work something out. 3. Immediately change your lifestyle. Rent out extra rooms in your house. If you live in a two bedroom, sublet the other. Don't go out for dinner. Get rid of any monthly expense that isn't absolutely necessary.. Yes, that means cable. 4. Start a small business outside of your job in something that your passionate about. 5. Make it your mission in life to pay off that debt. It may seem impossible, but it is not. The person you will become in the process will change the outcome of your life and ultimately change your destiny. Good luck to you. Remember, you're not alone. There are literally thousands out there just like you right now. Xerxes"

Can my credit score keep me from qualifying for a corporate credit card at work? My new employer wants to give me a corporate credit card for work-related expenses, and I'm worried that a bankruptcy that I filed two years ago might get me turned down for it. Is my credit history a factor here, or just my employers'?

wizjp replied: "It's the employers card; you are just using it, not applying for it. They have the final say as they are ultimately responsible for the debit, not you"

SG Elite replied: "Generally, for corporate cards, the card issuance company does not need to check your credit score because all the charges will eventually be billed to the company. However, being a bankrupt could be a different scenario."

pathfinder replied: "A coporation is a quasi citizen, and has nothing to do with you personally. The card is issued based on the credit worthiness of the corporation."

Vette58 replied: "It is at the discretion of your company to provide you with a credit card, however they will most likely check your credit prior to issuing it. I've worked for companies where the employee was not given a company card because of poor payment history and over extended credit. You might want to mention the bankruptcy to your employer rather than letting them find out on their own. This at least gives you the opportunity to explain why you were forced to file a bankruptcy. Life is not perfect and everyone has issues in life if they live long enough. The good news is just because you have a bankruptcy may not prevent them from giving you the card, and chances are if you've re-established credit over the past 2 years and made your payments on time, you've probably improved your credit score dramatically. Typically the longer the ocurrance the less it hits your credit score. The key is have you re-established credit. I suggest you speak with a credit counselor about ways you can improve your credit (FICO, which stands for Fair Issac) score. Good Luck!"

spifiman1 replied: "This decision is up to your new employer. Your credit will not factor into the decision unless your new employer pulls your credit and changes their mind because of your bankruptcy. Most likely they have already done this before they offered you the position. So I would really not worry about it."

Cheryl S replied: "Your social may be provided to the card issuing company - BUT it will not affect you from getting a card. Business credit cards are issued against your employers tax id number and how they pay the bill will never be disclosed against your credit report."

My credit score is 714. To qualify for a home loan, do I pay down credit cards or save more down pmt? I've got a down payment of about 5% saved. Should I build that up, or pay down my cards to raise my credit score?

What is the easiest credit card to qualify for? I have no credit/bad credit, and have trouble even getting a department store card. Isn't there a credit card that I can qualify for and work towards buiding my credit?

Heather Y replied: "You could get a secured credit card. For example, you give them $500 and they hold it against a $500 credit limit on a card. Over time, you may become eligible for a percentage over your secured amount as you begin to build good credit. Here's a good article from bankrate on what to look for when getting a secured credit card:"