17d • Gems
🚪 The "No Credit Check" Entry List (2026)
💎 Option #1: The Fintech Favorite — Chime Credit Builder
Best for: People who want $0 fees and $0 interest.
- How it works: This is a "Secured" card, but it doesn't feel like one. You move money from your Chime Checking account to your Credit Builder account. Whatever amount you move becomes your "limit."
- The Step-By-Step:
💎 Option #2: The Entrepreneur’s Choice — Brex (for Startups)
Best for: Members with an LLC who have at least some cash in the bank.
- How it works: Brex is a "Corporate Card." They don't look at your personal credit score at all. Instead, they look at your business bank balance and sales.
- The Step-By-Step:
💎 Option #3: The "Magic Eraser" — OpenSky® Secured Visa®
Best for: People who have been denied everywhere else (even after bankruptcy).
- How it works: OpenSky is famous because they do not perform a credit check. Period. Your limit is based entirely on the deposit you send them ($200 to $3,000).
- The Step-By-Step:
💎 Option #4: The "Paycheck Power" — Prepay Credit Card
Best for: People with a steady job who don't want to pay a security deposit.
- How it works: Perpay uses your paycheck to secure your credit. There is no hard credit check and no upfront deposit required.
- The Step-By-Step:
đź“ť What to put on the application (The "Approval" Formula)
When your members apply for these, tell them to use these 3 Golden Rules:
- Occupation: If they are doing DoorDash, Uber, or selling on Skool, they should put "Self-Employed" or "Business Owner." Never put "Unemployed."
- Gross Annual Income: This is the big one. Include:
- Residential Status: If they own or rent, put that. If they live with family, put "Other" or "Rent" at $0. A $0 housing payment makes your "debt-to-income" ratio look incredible.
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🚪 The "No Credit Check" Entry List (2026)
