Other card companies who are active in the tweener market include Top 10 issuers Capital One and Providian , and niche specialists such as Merrick Bank in Salt Lake City. Start by chipping away at any current card debt with several months of on-time payments. And then call your card issuer. If they're not willing to sweeten that card deal, shop for a better offer. Compare annual percentage rates, grace periods, credit limits and, most importantly, fees.
Some cards come with hefty application and processing fees.
As with any card offer, be sure to read the fine print. They keep an eye on you Keep in mind that issuers are looking at more than just payment history when they evaluate potential credit applicants. They also look at income, debt and how long a person has been at their current job and residence. Creditors get nervous. Creditors are like wives and girlfriends.