Hard Card

How hard will it be to get a credit card?

I had a credit card for a department store and was behind on payments on like 5 payments to the point where the collectors were sending me bills and my rate went higher and higher. I ended up paying the 800 dollar debt in full. How tremendously bad has my credit gone down and will it be hard to get another credit card so I can attempt to fix my credit. Will my credit score be a big factor on me getting a student loan and a good rate.

Frankly it will be very hard until you let some time pass. However there are still some CC companies that do cater to persons in your situation. The credit limit may only be like $100-$500. So apply for one of those. Before that I'd recommend applying for a different department store CC and use a little and pay it off, over and over for a few months. That'll build your credit up after 6 months or so. Then you can get that CC with a $10k limit, charge to the max, and stiff them. (jk)