Can anybody suggest a good card with no annual fee that would approve me with a credit score of around 610?
I want to rebuild good credit and I think I can do that by using a credit card to pay for gas and groceries and then paying off the balance on a monthly basis. I think this may help me to correct two of the negative things on my credit report. 1) only $300 of available credit - I only have a JC Penney card, I pay off any balance each month, but my report says I have too little available credit. 2) I have been denied for credit cards two times in the past year, so I want to apply for one that will not deny me, so I dont do any further damage to my score. Should I apply for a secured card of like $500 from my bank? Any suggestions?
Public Comments
- Try Visa
- 610 is a good enough score to get a regular credit card ( meaning you dont need a secured card) . As long as you have decent income. My wife got a capital one card with a score in the high 500s. She has worked her score up to mid 600s in about a year, and the credit line has gone way up. So I would say based off of that experience, Captial one may be the way to go.
- Your bank might be a great place to look for a credit card to rebuild credit. Be careful about applying for credit cards too often, that too can have a negative effect on your credit.
- Try to apply at a major issuer like Chase. I believe you can get 3% cash back on gas and groceries.
