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Originally Posted by yellowchef
Ok, I dont really have credit and Id venture to say the credit I do have is bad. Lately Ive run into a major string of finacial trouble and there is little I can do about it. Im only 20 and have applied for credit cards before, all being denied for reasons unknown now. Id really like a credit card for the emergencies Ive encountered and for the situation I am in now it would HELP greatly.(300% interest or not) anything helps atm. I dont really have family options as my family is helping me a lot with other things, they do a lot by taking care of a few things for me that I know go well beyond their means. I just dont understand it all and that why I cant even get one of those dumb Bank Student Credit Card thingies at god awful interest levels.
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Hmm... It is difficult to help you as there are very few details in your post, but I'll do my best
First of all, If you run into financial trouble, it is typically a bad idea to take out high interst loans for a temporary solution. Of course, there are exceptions to every rule, but typically it is not advised. You may want to consider other options, such as decreasing your living expenses or obtaining additional income via a second (or third) job.
The reason you are likely not getting approved for the credit cards is difficult to determine, but I would imagine it would be due to the bad credit you had mentioned. Even the worst credit cards still have underwriting (approval) guidelines - and even though they might not be that stringent, you still must qualify.
Hopefully this helped you out - if you care to get a little more detailed with your situation, I may be able to offer more specific advice. Until then, good luck!