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I'm totally unfamiliar with tire loans, so I have no idea how they work. You can increase your credit limit whenever you want by making another deposit into your CD. They aren't negative, or in bad standing, but it is accruing interest slowly. If you've recently been denied a loan application, you are well aware that you need to fix your credit. Applying for a card that requires good credit when you have a score of 580 is a guaranteed rejection. If you're on the borderline, certain lenders such as Capital One or AmEx are more likely to work with you. Like a secured card, Capital One gives you access to a higher credit line after you make your first five payments on time. The MileUp Card is a decent starter option for folks who want to start earning in the AAdvantage program without being able to fly much or to pay an annual fee.
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