The first thing I did to re-establish myself, was applied for a Capital One Card. Actually I have 2 cards. Both have $300 limits. Not huge, but a start. I also have a Credit One Card, which started with a $500 limit and now has a $600 limit.
When you apply for a major credit card, you get a hard hit on your credit report. But at the same time you need a basis to start re-building.
Now there is a online bank that will help you re-build your credit, without fully applying. Comenity Bank works with many online stores to get a pre-approval line of credit. This works sometimes and other times it does not. What you need to do is shop at a listed store.. Put something into you cart.. Act like you are about to check out and if you get the pre-approval pop-up. Congrats! Once you get the pre-approval, you put in the last 4 digits of Social Security and they will give your credit limit.
need to be careful. You do not have to check out what you have in your cart. You can remove everything from your shopping cart and wait for your card, before you make a purchase.. You do not want to go crazy and start purchasing a lot of stuff with your new credit line.
Here are the stores for 2015 that use the shopping cart trick. This my personal list and limits. Not bad for having a 615 credit score.
These are Comenity Store Cards. All of these cards I had the pre-approval pop up and I had soft inquiry on your credit report. Too many inquiries will have a negative impact on your credit score.
Anne Taylor $500
Express Next $500
Brylane Home $250
HSN $750
Avenue $250
Loft $500
Jessica London $500
Marathon $250
One Stop Plus $500
J Crew $250
Venus $750
Woman Within $250
Victoria Secret $350
These I just applied for and was accepted. The had a hard hit on my credit report.
Kohl's $300
Target $300
Monro Muffler $900
How I am managing all my new credit. I am making small purchases right now. I only use the cards for what I can handle. I am not making large purchases. I do not have purchases on most of my cards. Most of the cards I pay the balance at the end of the month. A few of my cards, I pay more then the minimum and at least half of the balance. Here is all the Comenity Store Stores that are known to have the pop up. As I said with me and others, sometimes it works, and other times it does not. It took me, trying to do the VS shopping cart trick 6 times before I got the pop-up. Sometimes you need to be persistent, but not on the same day. Sometimes you need to wait a week or more.
Arhaus Credit Card
Avenue Credit Card
Bealls Credit Card
Bealls Florida Credit Card
Bealls Outlet / Burkes Outlet Credit Cards
Bergner’s Credit Card
Blair Credit Card
Bon-Ton Credit Card
Boston Store Credit Card
Buckle Credit Card
Caesars Total Rewards Visa
Carson Pirie Scott Credit Card
Catherines Credit Card
Chadwicks Credit Card
Crate & Barrel Credit Card
Dress Barn Credit Card
Eddie Bauer Credit Card
Elder-Beerman Credit Card
Express Credit Card
Gander Mountain Credit Cards
Giant Eagle Credit Card
Goody’s Credit Card
Gordmans Credit Card
Herberger’s Credit Card
HSN Credit Cards
J. Crew Credit Card
Jessica London Credit Card
J.Jill Credit Card
Justice Credit Card
Lane Bryant Credit Card
The Limited Credit Card
Loft Credit Card
Marathon Visa
Maurices Credit Card
Meijer Credit Card
Metrostyle Credit Card
New York & Company Credit Card
OneStopPlus.com Credit Card
Overton’s MasterCard
Pacific Sunwear Credit Card
Palais Royal Credit Card
Peebles Credit Card
Pier 1 Imports Credit Card
Pottery Barn Credit Card
Reeds Jewelers Credit Card
Restoration Hardware Credit Card
Roaman’s Credit Card
Saturday Night Live Credit Card
The Sportsman’s Guide Visa
Stage Credit Card
Talbot’s Credit Card
Trek Credit Card
True Value Credit Card
Victoria’s Secret Credit Card
Virgin America Credit Card
Elm Credit Card
Woman Within Credit Card
Younkers Credit Card
Z Gallerie Credit Card
Some things that may help with the shopping cart trick. Clear your computer cookies and history before going to with website. I had the best result using Internet Explorer and Google Chrome. Good Luck... I will update in 3 months are share with you how my credit is going.
