ABOUT ME-i responded to a mailing for a new credit card. it is CreditOne bank platinum visa, i didnt notice until later it had $75 annual fee. i just assumed i would be denied. It has been 7 years or so since ive had a credit card. I had credit chase/citi/amex/ accounts i all defaulted on. Amex account i settled for a 10k settlement on a 30k ballance, but i think that was with a collection agency so im guessing AMEX still wouldnt take me on as a new customer again with my poor credit. citi/chase both sued me but no action taken since i had no assets or income at the time. i dont know if all accounts eventually went to collection or if that matters. This new Credit one CC that just approved me has %1 CB but only for gas/groceries. These categories are mostly useless to me since i do mostly costco shopping and dont drive. Anyone recommend better casback cards for me to try? My credit score is very low i forget how low. What is the easiest way for me to get a free credit check in case i should do this? one benefit of this $75 dollar credit card that says i got approved for is free credit monthly score. I dont have a bank account in my own name though i said i did in the CC application. the bank account has my name as a "truste". the account belongs to my mom and i use a debt card linked to the account but i dont think the bank account is in my name as the name on the debt card shows only my moms name. Currently my only source of income is SSI direct deposit into my moms truste bank account that i use. I applied to discover it recentlyand i was denied. i believe reasons cited delinquents/derogatorys. Again- I have no credit cards or debt cards currently in my own name. Thanks for reading..
MY QUESTIONS ARE-
Anyone know of a any good CB credit cards that i can get without opening my own bank account?
Any recommendations on better credit cards i should apply for that i might get accepted? ideally with better cashback or lower annual fee? in which case i would cancel this one.
Is it true since it's been more than 7 yeas since i defaulted on my old credit card accounts my credit score should be improving on its own?