So, I never had any credit. The last year or so I have tried to build it. I am at a 620 and short on cash for the holidays. I was thinking about applying for a JC Penny or Wal Mart credit card. I do not want to apply, get denied and have a hit lol. Opinions please on if I should and how likely will it be that I get approved.
Most Helpful Guy
You won't because my credit score is 720. Yours is terrible for your age.0
Most Helpful Girl
Its best you just bake cookies and make a gift card save your money for you.0