Credit Cards

[jess&andrew 0]

What did u wrote in the application to be accepted right away ?

i did it but they say to wait for a decision

I'm not sure what I did to make me get accepted! I thought I would get the usual rejection, actually. For household income, i put what my husband makes. Not sure what else might have differed from you though.

If all else fails, do the secured card thing first - I still might do that too - just to have more credit (to build).

[Mommy2ZaidnSalma 11]

when sofyan first came here he was accepted from cap one, then 2 months later from chase, and now he has those 2 and we have AMEX

[melusine 5]

alright !!! received my capital one card today ! yeehaaa !!!

A big 300$ limit ! 0% on purchase till january and 19.55% after that.

I feel like an adult again !

[Mononoke28 135]

My husband got his Capital One card back in February I believe it was and we pay it off every month. He then started to receive offers from a whole bunch of other companies, many of whom deny him when he first applied with them. A couple of weeks ago he decided to apply for a pre-approved card from WaMu and he was approved for $1,000, checked out his credit score and it's currently at 720.

Diana

[pegbert64 0]

Another option, for Canadians anyhow, is RBC bank. Since I was a long-term client of RBC in Canada, they had no trouble giving me a bank account, check card, credit card, and line of credit as soon as I walked into the local bank! They just called some number to verify my association with RB Canada, and were more than happy to hook me up down here! I think the credit card started with a 2000. limit, but now it's up to 7500. Baaaaad..... baaaaaaaddd ..... must not shop.....

Not sure if there are other international banks that have affiliations with US counterparts, but might be worth checking out.

And I agree with Capital One..... easy to get, not so easy to get rid of!!! Even when I called to cancel the card, the person said "OK, we can do that for you" followed by "We'd like to offer you a new credit card.... " You've got to be kidding???! I think I got a little terse with the guy on the phone. They are relentless.

[island_princess 2]

You can also try Bank of America Secured credit card. All you need is write a check worth $99.00 for a $500.00 credit line. You can apply on their website.

Well, this is good enough to start, right?

[melusine 5]

yes but it's secured.. when cap. one is not