Go to your bank and ask about a secured loan. Basically, you put money in a CD and get 2% or whatever. The CD sits at the bank. You then get a loan for the same amount as the CD at 3% or so.
They've got your money in the bank, so it's no risk for them. You put the loan on auto-pay, you lose 1% per year to do this, but you get 12 of these kinds of transaction credits on your account which is good because they count differently than credit card.
I did it with $1100 and it cost me $10 or $15 or whatever, but I went from not eligible for a credit card with a limit over $250 to getting an uncapped charge card with good rewards in 12 months, which was very helpful in business. I don't know about getting the bad transactions off, but getting good ones on is important too. I don't know what the lowest amount you can do it with is, but I did it with two loans: one $1000 and one $100, and it worked well.
They've got your money in the bank, so it's no risk for them. You put the loan on auto-pay, you lose 1% per year to do this, but you get 12 of these kinds of transaction credits on your account which is good because they count differently than credit card.
I did it with $1100 and it cost me $10 or $15 or whatever, but I went from not eligible for a credit card with a limit over $250 to getting an uncapped charge card with good rewards in 12 months, which was very helpful in business. I don't know about getting the bad transactions off, but getting good ones on is important too. I don't know what the lowest amount you can do it with is, but I did it with two loans: one $1000 and one $100, and it worked well.