Things You'll Need
When Your Credit Score is Over 580
Order a copy of your credit report with credit score. Look and see what your credit score is. If your credit score is below 580, go to Section 2. If your credit score is 580 or above, go on to Step 2 in this section.
Visit the website whogavemecredit.com. Take a moment to review the website. Click "Search" near the top of the page, then "By State." Select your state from the drop-down menu that appears. This will provide a list of creditors who have given credit, along with the consumer's credit score. Use these results as a guideline to decide which creditors may offer you store credit with your particular score.
Visit the website of the lender you wish to apply to for store credit. Fill out their application and submit. You may be given instant notification of your application status or you may be notified by mail.
Do not apply for more than two store cards. Applying for
more than this will raise red flags to lenders that you are a high credit risk. If your applications for store credit are denied, go to Section 2.
When Your Credit Score is Under 580
Perform an online search for secured credit cards. Look for a lender offering a secured card with low interest, zero fees, a guaranteed approval policy, and that reports the status of your account to all three credit-reporting agencies. Choose a secured credit card to apply to.
Fill out the application and mail your deposit to the address specified. Your deposit will be equal to the credit limit you choose. If you select a $300 credit limit, you will need to mail a check or money order for $300.
Use the secured credit card and make all monthly payments. After six to twelve months, you will see a rise in your credit score. At this point, go back to Section 1 and follow the steps to see if you will, now, qualify for a store credit card.