Wheres the best place to open a secure credit card?
I dont have any credit and lots of student loans, I’ve never had a credit card. I wan tot build my credit, but no one will give me a credit card. Im stuck with this secure crap apparently. I opened one with HSBC but theyve had horrible customer service, losing my paperwork, making me jump through a million hoops, and worst of all taking more than 3 months to setup a simple card that is not even activated yet. Im fed up. Any other ideas?
Orchard Bank is the same as HSBC
No Orchard Bank they have horrible customer service (via HSBC)
Oh nice. I just got approved for a credit card with USAA (the absolute best insurance company on the planet) and I didnt even need a secure card. Hoorah! All you Orchard bank lovers need to get a clue!
well, I’ve had a credit score of 785 to 810 from the time I was about 22. The only credit card I truly believe in is American Express. I’ve switched to Blue by American Express because there’s no annual fee.
But, if you can not get a credit card, I would try a credit union. Try every one of them. Be VERY VERY weary of credit card companies. My entire family is in the financial business and NO ONE HAS THE SLIGHTEST CLUE HOW UNBELIEVEABLY SLIMY THEY ARE. It would blow the average human’s mind if they knew the types of practices that credit cards were allowed to practice under. It all started with one man in the 80’s who’s had to move about 50 times since because so many people want to assassin him. He’s the one that created the concept of “compounding interest” and made the credit card companies TRILLIONS of dollars off of people’s misfortunes.
SO, if ANYONE like at a store like target, old navy, gap, walmart, ANYWHERE offers you a credit card and you’ll save yourself 15%,,,,tell them to go (*&#$(*@&#($ themselves. They are out for your first newborn.
Only trust American Express and a credit union. You should be able to find a credit union who will give you a small balance just to see how well you do with payments.
You will build credit, don’t worry. Just pay off car loans, student loans, etc. All of that counts towards credit.
