Has anyone succeeded when applying for a credit card, while having bad credit status?
I mean, from one of the major banks. Financial institutions like GE or HCF don't count. Does it make sense to apply, or should I rather rebuild my credit score, and wait till it gets near say 650 mark?
Why I'm asking is, that if my application is refused, it still registers on my credit file. It will be visible to any institution checking my credit standing, and basically takes away my points. When applying, I want to be almost certain that I get the card.
Other solutions, like prepaid visa or m/card aren't too good. I want a credit, i.e. money right now, in my hand!
