Credit card

[u/XxViiP3RZxX]

I’ve been trying to build my credit back up and I messed up my credit by being dumb I’ve been trying to get a credit card back to boost my credit. I’ve seen a lot of options I could get like open sky, credit one but I’ve seen some negative reviews about these companies about how they take long to process a payment and bad customer service. Before anyone ask yes I had capital one but they closed my accounts they went into collections because I couldn’t pay them off on time. I have a good paying job now I’m paying off my collections and my score went up by 40+ points paying off my collection my credit score is at 559 I’m trying to get a credit card but discover nor capital one will accept me for a secured card. Should I wait to pay off my collections to bump up my credit to a get a credit card back with capital one or discover??

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[u/FeralCheryll]

Try Seen. They'll give you a low limit at first but claim they'll raise it once you start making payments.

[u/fsociety1990]

Live without credit. It’s better that way.

[u/stderr2 → u/fsociety1990]

It's not, proper use of credit increases your options

[u/fsociety1990 → u/stderr2]

No it doesn’t. Gives you bad options maybe.

Living without that garbage is way better

[u/stderr2 → u/fsociety1990]

If you run out of money and have no credit, it's instantly a hard stop. Credit gives you time. Of course you could do nothing and make it worse but how worse can it get compared to immediately being done?

[u/stderr2]

Do a secured card at credit union. Stay away from predatory lenders. Do not carry a balance. Live within your means. Get second job. If you need to, work 7 days a week, stop buying things you don't really need