Your work hours indicate you don’ t make too much money. So, my suggestion is to open a savings account an save as much money as possible until 2013. Then reconsider your need for a credit card. No one NEEDS a credit card. They are not NECESSITIES, they are what I call NICE-ities. Nice to have but not necessary. I, myself, do very well without one (for over 20 years). Credit card issuers are going to bring back annual fees for possessing a credit card, they’ll reduce the exchange rate for rewards program points, and they’ll raise interest rates to the highest possible level. In that light, if you can’t afford to pay cash, you surely can’t afford to charge it.Something isn’t quite right because anyone should be able to get a secured credit card because you are putting the money up as collateral. If you look at http://www.comebackcredit.com, there is a post about secured cards and there are 2 or 3 listed that are guaranteed approval.

You say your debts are old and paid off. You should then dispute them. Many times when a credit card is paid off, the lender won’t even bother to verify. You may be able to get some removed. That can really help.Well If you have money problem and u want loan. Few days ago my friend having very bad financial crises so while he was searching on Internet for Bad credit loan he found a site which contain link for Geniune lender for Bad credit Loan. He checked all 8 links in that each link offer different interest rate and repayment time.
My Friend got loan of 25000$ for 15 years on 6% interest rate which should be payed annually.
Well you go to

Dixiloan.com

Then Go to "Bad Credit Loan"

Hopefully you will get loan from there.
Take Care
Bye!

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