Anyone know who will approve me?

I have a Hecht%26#039;s card I keep in good standing. I have had it a year but no one will still approve me for a credit card. The only offers I get are for secured and that stinks. I have applied at capital one, chase, bb and t, and even my work bank of america. Anyone know of anything?

Anyone know who will approve me?credit card offers

First stop applying immediately! Every time you apply your credit score goes down. When you are applying so many times and their are no new accounts being established it can be very negative.

Check out your credit reports at www.annualcreditreport.com. It%26#039;s free once a year and you can review reports for accuracy and make sure there are no negative items you are not aware of.

If the only account you have on your credit files is a Dept. store card then you will not likely be approved for a Visa/Mastercard.

After you review your credit reports and you believe they are accurate you can check your FICO credit scores(the one lenders use) at www.myfico.com/12. It will cost you $45.00 but it will give you all three scores and the top 4 reasons why your credit score isn%26#039;t higher.

Just a guideline, but if your scores aren%26#039;t over 700 chances are you won%26#039;t be approved for a Visa/Mastercard.

You could call Amex. Their basic green CHARGE card used to require only a 640 score. But that is a CHARGE card which you will have to pay off every month.

Discover tends to have more lenient credit guidelines but I don%26#039;t know their minimum required score.

If your income is good and your credit score is above 550 you will most likely be approved for a car loan or a mortgage(but at a higher rate)Maybe not what you are looking for but after 12 on time payments your scores will be higher.

Anyone know who will approve me?

loan

Have you tried a department store to get some type of revolving credit? It helps to diversify your credit portfolio. That%26#039;s all I can think of though. Sorry. Good luck.|||If Capital One turned you down, your credit must really be the pits. I thought they approved everyone.

You may have to bite the bullet and get a secured card. Keep it small, just a few hundred dollars. I know it%26#039;s a pain, but you have to start somewhere.|||Be care full applying to many in a short period of time. Each time you get you credit checked it gives you a negative mark on your credit.|||I approve, that avatar looks great.