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They give you large uncollateralized credit lines, but can only be used to buy goods within the catalogue. Not a credit check and not an occupation check.
I' m working on building my credit, but I can't get credit card approval. How can I help you?
Request a retail or petrol credit card. Default values for these credit card are much lower than for general use credit card. Become a member of a credit cooperative that provides a "share-secured" credit. Get a secure credit card. Dealers and gas utilities tended to have much lower credit approval levels, for the apparent sake that the profits they make from a purchase are significantly higher than the 2-3% the banks receive at the time of purchase.
For example (don't consider this a recommendation), I suppose fingerhut.com approves folks without any credit histories. When you have a few hundred dollar saved up and join a credit cooperative, you can put that cash in your stock holding and then return it in the shape of a "share-secured" credit.
You want to take some your own amount of money to make your story, like in the course of a year. Store around among the credit cooperatives in your area for one that meets the conditions you want. Remember that credit cooperatives always have a one-time subscription, which in the past was $5 in most cases, but some may have a higher subscription.
If you are planning to stay with your credit cooperative, it will offer you an alternate to the service of your business finance institution, you will find that you can often get your primary service (such as verification) free of charge and with very adequate reserve credit. They can get a "secured" credit card, I don't like them too much because they often have quite annoying conditions.
Normally you are paying an applying charge, an annuity charge, a line of credit enhancement charge, etc!