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Establishing New Credit
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Get Three Credit Cards

As mentioned previously, three credit cards is the magic number. 
If you have more than three you might be considered over-extended and if you have less than three you may not have enough credit.
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Pick the Right Credit Cards

People often times start applying for credit cards randomly.  Don't do that. 
If you apply and get denied, this will not only not help your credit, it will hurt it. 
Apply for cards that you are likely to be approved. I will provide a list of those cards.
Know your credit score before you start applying.
You can get your credit score for free from credit karma.
Only apply for cards that fit your credit score.
Below is a list of credit cards with credit score requirements.

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Credit cards for credit score less than 600

Secured credit cards are the easiest to get.  Most secured credit cards require you to make a deposit that is equal to your line of credit.  Secured cards will start the processing of rebuilding.  It is very likely that you will be approved for these cards. The downside is that you have to put a down a deposit to get the credit 

We recommend these cards because they approve candidates with poor credit.

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Discover it® Secured Credit Card: Basics        Card type: Secured    Annual fee: $0.

Security deposit: A minimum of $200. This amount determines your credit limit. 

Rewards: Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. All other purchases earn 1%.

APR: 10.99% intro APR on Balance Transfers for 6 months, and then the ongoing APR of 22.99% Variable APR.

Why we like this card.

  • Payments are reported to the three major credit bureaus (TransUnion, Equifax and Experian), which helps you build credit.

  • Discover reviews your account starting at seven months to see if you qualify for a regular credit card.

  • Discover doesn't charge a late fee on the first late payment.

  • The issuer's Credit Scorecard lets you track your credit score.



The Secured Sable ONE Credit Card has $0 annual fee, making it significantly cheaper than unsecured credit cards for people with bad credit and putting it on par with the best secured cards. 

Cardholders earn 2% on purchases made with Amazon, Hulu, Netflix, Spotify, Uber and Whole Foods, as well as 1% everywhere else. You get a dollar-for-dollar rewards match the first year, doubling whatever you earn.

With the Secured Sable ONE Credit Card, your spending limit equals the amount of your security deposit, which you need to transfer from a Sable bank account. That’s what makes the issuer’s claim of no minimum security deposit a bit curious. You need to deposit something to be able to use the card. And the more you deposit, the better it is for your credit score – assuming you spend responsibly.
Although you can get your deposit back as soon as four months after you open an account, you need to meet a list of requirements to be eligible.  The Secured Sable ONE Credit Card has a fairly low interest rate, at 10.24% (V). This could save you a bit of money if you’re unable to pay the bill in full at some point. However, carrying a balance from month to month with a secured card generally is not a good idea, since you can only spend up to the amount you put down as a deposit. You’d be paying interest on a loan you’ve given yourself. 


If you pay your monthly cell phone bill with the card or simply buy your phone with it, you’re covered for damage or theft. That even includes a cracked screen.  

Applying for the Secured Sable ONE Credit Card will not affect your credit score and getting approved is pretty easy, considering there’s no hard inquiry into your credit history. As long as you’re at least 18 years old and capable of affording monthly bill payments, you should be able to get this card. 

The Secured Sable ONE Credit Card can help you build credit because account information will be reported to the major credit bureaus each month


ANNUAL FEE  $35               17.39% Variable APR         RECOMMENDED CREDIT SCORE    300-600


  • No credit check to apply and find out instantly if you are approved.

  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years.

  • Get considered for a credit line increase after 6 months, with no additional deposit required.

  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months.

  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card.

  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months.

  • Your refundable deposit, as low as $200, becomes your OpenSky Visa credit limit.

  • Easy application, apply in less than 5 minutes right from your mobile device.

  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule.


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These three cards we like but there are many cards available.
Do the research.  Don't apply randomly.
These are features that you want.


  • Lowest interest rates
  • Low annual fee
  • The ability to convert to an unsecured card
  • Pre-approval without a hard credit pull
  • Reports to all 3 credit bureaus.
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