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Re: Gas Cards…

Home › Forums › Credit Talk › General Credit Forum › Gas Cards… › Re: Gas Cards…

August 3, 2012 at 10:28 pm #2992
fontanaman
Participant

If you have had any charge-offs during the past two years, Citi will deny you, even for their secured card. It’s on the small print of their application (if I remember well). I also considered their secured card but went with BoA. Any of those two cards would be great options. I’ve heard that BoA also likes to see other cards on your history in order to be approved, so maybe you should wait 6 months before you apply? Just to let your CapOne card report for a few months.

By the way, you will not find a cash rewards secured card on BoA’s website, but they do have one. I have it, my wife has it too (my wife’s credit is better than mine, and she was offered a partially secured card, mine is fully secured). I applied in person at the bank last November. They run the application as if you were applying for a regular card, just in case you do qualify for one, if you don’t then they’ll offer you a cash rewards secured card. Of course not everybody gets approved. I think my score was around 630, but I had cleaned my credit report as much as I could before applying (paid some collections and waited for my CapOne card to be at least 10 months old). My wife’s score was lower but her report was cleaner. I don’t think you need to have a checking account with them, but I already had one so I’m not sure.

As far as gas cards go, BP issued by Chase and Exxon by Citi. I’m not sure which one of those two would be easier to get. As I said before, it depends on what’s on your credit report.

It looks like you are on the right path though. You have a secured loan and a secured card. Don’t go crazy applying for new cards, be patient and look for the card that’s right for you. And try to clean up your credit report as much as you can. I also messed up my credit during my college years. Right now I have 2 secured cards, 1 retail card and 1 card loan. I’m just going to give them time to grow until my credit improves. I I wish I knew better back then. But well, here we are…

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