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My husband and I had this problem while back. He did not have any credit (which to the creditors is as bad as bad credit) and I had bad credit from a previous relationship.
I know that you said that you did not want a secured card but I would suggest Providian. That is the card that I started with. They may or may not want a deposit but they match yor deposit plus 50% again and they are very good about upping your limit if you make timely payments. Also you can add to your original deposit to increase your limit. I started out with a 500 dollar deposit out of choice and now have a 9000 credit limit.
Also a good one is Capital One. They have higher APR% and some do charge an annual fee but usually only 39 to 59 dollars. They don't like to give many credit increases though. But they will approve you even with not great credit.
There are also some sites that will give you a list of credit cards that you qualify for depending on your status and info. Sorry that I don't have any web addresses off hand.
Good luck!!
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Wendy  |