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re: best ways to build credit
Posted on 6/26/14 at 9:59 am to kingbob
Posted on 6/26/14 at 9:59 am to kingbob
Apply online at Capital One for a regular non-secured credit card, preferably one without an annual fee. If you are declined, call them up and tell them you want the secured card. They will use the same credit pull and not have to pull another one and they will approve you for the secured card.
My wife did this about 4 years ago when she was in the same exact situation. She had to give them $39 to hold in a savings account and they gave her a $200 credit limit. Pretty sure you can get a higher CL if you request it, but they might require more collateral in the savings account.
Always try the regular credit card before the secured card. Try an institution that offers both. I know for sure that Cap One does both.
My wife did this about 4 years ago when she was in the same exact situation. She had to give them $39 to hold in a savings account and they gave her a $200 credit limit. Pretty sure you can get a higher CL if you request it, but they might require more collateral in the savings account.
Always try the regular credit card before the secured card. Try an institution that offers both. I know for sure that Cap One does both.
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