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Where can I find Credit Card applications online?

How do I get through "Insufficient Credit" returns on my credit card applications?

  • This sucks a bunch. I am a young adult trying to establish some credit in my name, and I don't understand why a bunch of my friends were approved for their credit cards, and i'm not. In December of last year, I got a small personal loan from my credit union to establish credit, so I could one day get a loan for a car. I did that over the course of 6 months, and never missed a payment. I then got a car loan in July of this year, and have been making scheduled payments on time. Also, I moved out of my parent's home in May and now have my own place, where I pay rent and bills monthly. I have tried to apply for credit cards and I keep getting turned down due to "insufficient credit". Why? I don't get it. My friends that have never had any credit cards or loans got cards, and I don't? All I want the card for is to create a little breathing room for all of my staggered payments. Since my paycheck and bills come at various points throughout the month, i'd rather just have it come out of a card, so I can pay it all off at one time. This really stresses me out, and makes me very sad to think that creditors would not trust a young adult TRYING to do the right thing, and build credit the right way, for the right reasons, yet they'll shell it out to irresponsible 18 year olds. =(

  • Answer:

    The reason you are being declined is the credit that you DO have hasn't been established long enough to really see how you pay your bills. Sorry, but a 6 mo loan and a car loan since July is just not long enough of a history and I am sure your age is working against you also. Just keep making the payments on the car and maybe ask your bank if they offer secured credit cards. Get one of those and with your car loan in about 18 mos from now, you may actually get approved for an unsecured card, or turn the secured card into an unsecured one. Your friends may have got their cards because their parents cosigned for them. You just never know. People don't always tell the truth of how they got things when asked.

Kathryn Y at Yahoo! Answers Visit the source

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Contact your credit union and ask if you can get a credit card from them. If they say no, ask if you can get a secured credit card (you put money in a savings account and that is your credit limit), that will transition to a regular credit card after twelve or eighteen months of on time payments. If they can't help you, go online and search for secured credit cards. Make sure the fees aren't too high before you apply though. Good luck.

Capital One has a guaranteed secured mastercard. There's an annual fee though. I got it about 2 years ago & now I've been approved for 2 other cards.

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