 Choosing a credit card? |
| what is good credit card? I got citi vc capital one decission to make. Both say 0$ anuall fee and both are promissing great rewards. Too good to be true. Where are the tricks? Obviesly credit cards ... |
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 How do I build credit? |
| I'm 23 and I don't have credit (I think). I have debit/atm cards, but I don't think those count. My family always advised me to stay away from credit cards like the plague because of ... |
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 Does enrolling in a hardship program for my credit card effect my credit report? |
| hi I have a credit card that had a promo intrest and now it has expired the payment has almost doubled and its getting harder for me to pay it they are offering a hardship program that will pay it ... |
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 How do I refinance my auto loan? |
| Shouldn't a credit score of 626 and a DTI ratio of .19 recieve a better interest rate for an auto loan of 14,700 for 60 months than 11.9%? I've had my credit pulled so many times trying to ... |
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 Help! Collections Issue? |
| A little less than a year ago, i stopped paying my credit card. I know, I'm a bad bad person but I was a stupid college student. The amount I had on the card was only 600 bucks. It eventually ... |
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 Can I sue a cosigner on an old credit card for screwing up my credit? |
| My ex and I had a joint credit card in which we were both liable. She racked up a huge bill and then filed for chapter 11 bankruptcy. I understand that I can still be held liable. Now here is the ... |
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 How much Credit Card Debt do you have? |
I have $12,000 credit limit on my cards and owe a total of 47cents.
How much credit card debt do you have and are you able to pay more than just the minimum payment per month?... |
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 Credit card trouble, HELP!? |
| I have my VISA card and a taxi company charged me last July about $500 which I did not use. I called VISA last August and they said they will examine it. But I'm in foreign country and couldn... |
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 Can I demand for an annual fee waiver for my credit card? |
| I've heard stories about some people calling in to the bank and threatening the line operator that if they are not given a fee waiver for the next year, they will simply cancel their card ... |
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 I have some credit card debt... HELP!? |
I have over $2000 of cc debt and it needs immediate attention and am afraid this is going to affect my credit somehow.
I keep hearing about a credit card with 0 balance transfer for 1 year ... |
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 What is the best credit card offer for women with ok but not perfect credit after divorce or other life change |
| If you used to have perfect credit but have made some late payments following a move, job loss, deaths in family or health care crisis, erroneous charges or other fraud on accounts, or other life-... |
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 Is there a legit company out there than can repair credit? |
| I have heard about credit repair companies that can get negatives off your credit report but have heard that there are alot of frauds out there too. So has anyone actually tried one that works?... |
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 I need a list of lenders that will loan a home mortgage to someone with a credit score between 545 and 550? |
| I make 48k per year. Circumstances that have led to bad credit rating are a 60 day late car payment that occurred two months ago. The car has since been paid off. Credit cards are close to the max ... |
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tsingh108 | Any ideas on what type of credit card is good for bad credit? |
I was stupid when I was younger now I'm looking to open a new card to re establish my credit |
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Jeremy P
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Luckily, there's a lot of options for people with bad credit nowadays. More than likely, you could get approved for a 'secured' credit card since a security deposit is required and it 'secures' the line of credit if you default.
But there are also many 'unsecured' credit cards available for people with poor / no credit. These DO NOT require a security deposit and will help you build / improve your credit history. You can find a complete list of unsecured offers here:
http://www.asapcreditcard.com/unsecured-offers.html
* I would highly recommend the Orchard Bank Platinum card. For one thing-- it's very competitive in comparison to other offers for bad credit. Plus, if you don't qualify for the 'unsecured' line of credit, Orchard will offer you a secured credit card instead-- meaning you only have to apply once-- and only 1 enquiry on your credit report.
GOOD LUCK! |
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Deez
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I would say none you can't controll your spending just pay cash you will have a much happier life. |
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benson jasmin
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If you are looking for a credit card for bad credit, there are many options to choose from. The two main types of cards available are either a secured credit card or an unsecured credit card for bad credit. Both types of cards can help you repair your credit by giving you an opportunity to establish a good payment history. The costs and fees associated with each type of card are very different, however. In addition, depending on how bad your credit is, whether you have sufficient income and other personal details, you may only qualify for one or the other.
First let's look at the secured credit card for bad credit. A secured credit card requires that you deposit money with the issuing bank, and the bank will issue a credit card in the same amount for your use. Secured cards are guaranteed to be approved, because the bank has your deposit money in case you do not pay your balance. A secured credit card for bad credit operates much like a regular credit card. You receive a monthly statement, and you pay your minimum monthly payment or the balance in full each month. You are charged an interest rate, annual fee and possibly other fees for a secured credit card account.
Be aware that with a secured credit card for bad credit, your charges are not deducted from the deposit you have with the issuing bank. The bank is simply holding your deposit in the case that you default on your credit card balance. You must pay your monthly payments, and owe the bank the balance that you have charged on the credit card. You cannot refuse to pay simply because the bank is holding a deposit without further damaging your credit.
A second option for getting a credit card for bad credit is to get an unsecured credit card. Unsecured credit cards are available for bad credit clients, however, the issuing banks charge high fees to cover the risk of extending credit to a bad credit client. You can expect to pay anywhere from $200-$350 or more in fees which the bank will keep, you do not get that money back. Those fees are upfront costs for obtaining a unsecured credit card for bad credit. In some cases, the bank will allow you to pay the fees over two or more months.
Apply online to get a best credit card for bad credit at: http://www.credit-card-forums.com/Secured.html |
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Faye H
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There are several that would likely give you a card. However, be careful and don't apply for a bunch of different ones or you will lower your credit score. Pick one and apply for it.
I'm posting a couple websites below that you can do some comparisons of different cards and offers. |
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Underground Man
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Any one that will accept you which you can use to re-establish a good credit history with. From there, you can move on to whichever one you want. |
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beauty s
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I would not get a credit card till your score is 620 or better.. |
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?
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go with a "secured" card. they are cards with credit limits that match your initial deposit. Also, keep in mind there are some credit card companies that will extend unsecured credit depending on your credit condition.
Watch for dangerously high interest rates 29.99%+ and annual fees the are higher than your credit limit or whatever is comfortable for you to afford to pay each month/year.
Some will ask for an application fee. (those should be avoided).
Try www.appliedcard.com, www.householdbank.com or
copy and paste the search codes below for links to site to help you get started looking.
Good Luck |
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Guess Who
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Capital One Visa is the best card to get started with. |
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FaerieWhings
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Orchard bank will most probably give you a card.
Capitol One will not without established credit.
I just started building my credit a couple years ago. C1 turned me down, Orchard gave me a $200 limit to start with. |
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stone m
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"Apply for a rewards credit card. Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.
* It involves earning cash back on the card, it depends on the amount you spend.
* Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
* The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.
" |
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$m¤¤v¥ £¤¢¤
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I would start out with a secured card. Granted you would have to put a deposit upfront to secure a line of credit, but the deposit would also garner interest while you're proving your creditworthiness. My advice with a secured card is to start off small (like $200-300), charge less than $30 on it, pay it in full every month, and increase the security deposit if you can every couple of months, if you have the extra cash to spare while it's temporarily tied up in the security deposit. The higher you can get the limit while it's secured, the better it will look once it's unsecured. Remember, if you use it wisely, you'll get the deposit back, you will have saved you quite a little nest egg emergency fund and you'll have an unsecured card to boot.
If you have a checking or a savings account, I would try where you do you banking first. Sometimes they offer secured cards or even unsecured cards with a small limit. Orchard Bank(HSBC), Bank Of America, and New Millenium offers a secured card as well as bank. |
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