2017 Easiest Credit Cards To Get Approved For #google #accept #credit #cards, #easiest #credit #cards #to #get #approved #for


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What are the easiest credit cards to get approved for?

by CreditCardForum Staff

Q: If you don t have the most stellar credit history or haven t had a card before, which credit cards are you most likely to be approved for in 2017?

A: That s an excellent question and below is the answer.

The great recession kind of ruined the party for easy credit (though that was catalyst for the recession), so getting approved for credit cards hasn t been quite the same that time. In the good old days prior to the Wall Street meltdown and housing crisis, almost anyone with a pulse and completed application could get a credit card. Banks and card issuers competed aggressively with each other and promised low rates even to those without credit history or those with bad credit. It s not that they were altruistic there was a method to their madness. They would hit you with all kind of fees either up front in the form of application or annual fees or on the back end for even the tiniest infraction like being a day late with your payment, in order to make such risky accounts more profitable. These days, credit card companies have stricter approval requirements, making approval more challenging for those with bad credit or a limited credit history. This is largely a result of the Credit CARD Act of 2009, which rolled back most of the card industry s controversial pricing and penalty practices. Credit terms are now much friendlier but the down side is that getting approved can be more challenging.

Let s take a look at some of the easiest credit cards to get approved for, broken out by category

For those with little or no credit history

Below are a few entry products that are designed for those with fair, bad or no credit history:

Lucky for you, banks view those with a blank slate (little to no credit history) more favorably than someone that has screwed up their credit. In other words, banks are usually more willing to give newcomers a chance. When you have no bad credit baggage to weigh down your credit score you can often get the benefit of the doubt and be given a chance to prove yourself. The only downside to being in this position is that you probably won t be given a substantial line of credit to start out with, since that is how card issuers limit their risk.

If you are a college student. I would recommend applying for cards designed for college students. These are specifically geared towards younger people with little to no history, so they are some of the easiest credit cards to get approved for the only caveat is that you must prove that you are a student of an accredited college or university to qualify. We have a sponsored section for with the best student credit cards you should check out.

If you are not a college student. you won t be able to get a student credit card, as mentioned above they generally require you to document your enrollment status at an accredited four year college or university. Fortunately, there are still cards out there for those with limited credit history, whether you are 20 or 80. The easiest ones to get will be those geared toward people with fair credit (which is what most people newer to credit usually have). Check out our ranking of cards for people with fair credit .

For bad credit

Don t worry, if you have bad credit. all hope is NOT lost! There are still plenty of options on the market for people just like you!

As expected, you won t qualify for most of the cards out there. The easiest ones to get approved for will be secured cards. However you need to watch out, because a lot of secured credit cards charge outrageous fees. Just because you have bad credit, it doesn t mean you should be taken advantage of! Here are some things to keep an eye on when it comes to secured cards:

  • Application fees Some secured cards charge application fees. Generally this is something that you should avoid at all costs
  • Processing fees You may be charged a processing fee simply for processing your application. Ideally, it s probably best to choose a card that doesn t charge this fee, if you have options.
  • Annual or monthly fees You can expect to pay an annual fee for most secured cards, but some cards fees are more unreasonable than others.
  • Easy account management Online account management, text message notifications, etc. should be included free of charge.
  • Reports to major credit bureaus Card issuers actually have to pay in order to report their cardholders to the credit bureaus. For this reason, some card providers won t report. Make sure the secured card you choose reports to the major credit bureaus, otherwise it won t help your credit.

Due to the fact that secured cards require a refundable security deposit, you re likely to get approved as long as you meet the simple residency requirements (U.S. citizen), are at least 18 years of age and can verify your identity if needed. There is usually no credit history or credit score requirement, so secured cards are definitely the easiest to get, even if you have really bad credit. Check out this page where we ranked secured offers:

You have to call Barclays the day that you apply and beg and plead until the analyst transfers you to a senior credit analyst (supervisor). The person transferring the call will explain everything beforehand. Once the supervisor starts asking you questions about your income and credit history, be obliging and explain everything patiently. They eventually will approve you if you re persistent. They told me no 12 consecutive times over a 12 month period before finally approving me after I called them 3 times.

Hi, I ve been reading about your Mastercard secure credit card and found it perfect for me.
I live in Puerto Rico and would like to apply for the card. Is it possible?

There are many factors with getting approved. my score is 593 and got approved for barclay for $500.00. They look a lot for stability as well. How long you have lived at your current address. Collection on utilities is really bad .they figure if you don t pay your electric, your not going to pay for a credit card. Whether you own or rent. If you bankruptcy is discharged or not .and length of time from poor credit. IE .if there is a collection account on your credit .and its 2 years old and your credit is fine otherwise then it wont bother you. Sometimes you never really know why its declined. They can give you bad marks for many things. YOu need to score high on basic things .length of time at address, how long you have had the same phone number, you debt to income ratio, you length of employment at same job.

The easiest card to get approved is GM World Elite MasterCard. I just got approved with $8000 CL.
This is a brand new card from Capitalone with GM.
Apply here gmcard.com

Bankruptcy in 09, approved for Capital One $750 1 year later. Slowly applying for cards while using as a debit card (don t have the money, don t use the card). Capital One raised to $2250 limit 2 years later, got Barclay card, approved $2000. Target $300. Getting back on track. It s doable but don t go back to your old ways. DONT HAVE THE CASH DONT USE THE DAMN CARD.

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The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Disclosure
Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Forum member posts, comments and responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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Accept Credit Cards with Bad Credit Merchant Accounts #accept #credit #cards #with #bad #credit,bad #credit #merchant #accounts


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Accept Credit Cards with Bad Credit

Until recently, obtaining a merchant account was extremely difficult for those no credit history – or a poor credit history.

The principal reason for the difficulty was the fact that most merchant accounts were negotiated directly with banks, which are heavily regulated and are strictly controlled in their lending activities.

However, over the past 15 or so years, independent sales organizations (ISO’s) entered the merchant account market, as middlemen between the banks and merchants – assuming a portion of the risk involved in providing credit card processing services to those with bad credit.

As a result, today it is much easier for the latter to obtain a merchant account despite their credit history (or non-history). The ISO’s earn their money (and compensate for the risk they assume) by tacking on fees to those set by the credit card companies and banks.

Basically, unless you are presently in bankruptcy (or have only recently been discharged), are listed in the VISA/MasterCard watch list of those who have a bad processing history, have been convicted of fraud, or are carrying on a high risk business, you can likely locate a number of merchant account providers who can help you.

As part of being approved for a bad credit merchant account, you might have to post a reserve (a fixed sum, or an ongoing portion of your monthly sales), to serve as security for the provider.

You may also find that the provider limits the monthly credit card sales volume you can accept. If this is the case, the limit may be raised, or completely eliminated, after you have demonstrated a good processing history for a few months. In addition, the length of time to approve your merchant account may be a little longer than the normal few days.

An alternative for those who still have trouble being approved is to establish an account with a third party processor. Take a look at our third party processing solutions for providers who will let you utilize their own merchant accounts to process your credit card orders.

Recommended Bad Credit Merchant Account Providers

Charge.com

  • Can approve most business types. Offers a full selection of card processing services, including real-time, manual online for phone/mail order businesses retail services.
  • Declines few applicants for merchant accounts, even those with a bad credit history.
  • Free software to accept online payments.
  • Many applications are approved the same day. And should you be turned down, you still keep the Checks by Web, Phone and Fax Software set-up at absolutely no cost, just for applying.

    goEmerchant

  • Internet merchant accounts only.
  • If you are not in bankruptcy, you may be approved.
  • As long as you process under $5,000/month in credit card sales, at an average order amount less than $250, credit is not an issue. And if your monthly volume is above $5,000, credit is secondary to the type of product you sell.
  • For start up companies with no credit history, the merchant account bank will examine your personal credit history, not that of your company.

    Visit their site: goEmerchant

    Free Credit Card Processing

  • Can accommodate almost all applicants, even those with less than perfect credit.
  • You will receive a free payment gateway for your internet merchant account – or, if you are in retail business, a free credit card processing terminal (a $495 value).
  • No lease payments. No upfront payment.
  • For internet processing, FCCP supports most available shopping cart software, so it easily integrates with most existing ecommerce solutions.
  • Fraud management system lets you maximize sales – and minimize your risk.

    Visit their site: Free Credit Card Processing

    Total Merchant Services

  • One of America’s fastest growing merchant account providers.
  • Approves many bad credit merchant accounts.
  • Auto-Approval program: Offers automatic approval, if you meet its guidelines and are not a ‘prohibited’ business.
  • Handles a wide selection of bad credit merchant accounts, including internet, telephone/mail order, retail wireless credit card processing solutions.

    Visit their site: Total Merchant Services

    For information on other credit card processing costs you may incur with your bad credit merchant account, see our Fees Discussion .