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JayRust | How can I get a credit card with rewards when I have bad credit? |
Hi. My wife and I both have terrible credit, and are looking for a credit card with rewards such as cash back or sky miles. We use our visa cards that are tied into our checking accounts so much that it is a waste to not get rewards, but it is hard to get rewards with bad credit. Any advise? |
 |
 
Brie2200
|
Honestly, if you both have "terrible credit" neither of you would be able to qualify for any type of rewards card. The visa cards that are tied your checking account are called Debit cards, and they do not affect your credit score. You would need to first improve your credit score before you decide to apply for anything. Make sure that you pay all of your bills on time and at least the minimum due on any credit cards that you do have. Do this for at least 6 months to a year before you decide to apply for anything. |
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wish I were
 |
Yes! Quit living beyond your means, quit using the cards and get your credit straightened out! |
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alexa dion
|
Getting the right reward card that 'really' helps your cause is the first thing that should be kept in mind while going for a reward card. There is no point in taking a credit card with gas reward if you don't drive much. Similarly, if you rarely fly, an airline miles reward card will be worthless for you.
What are the limitations to reward program? Get clear about it. Ask the credit card agent or representative about store preferences, gas outlets to which the credit card is affiliated, airlines, blackout dates, travel restrictions, reward expiry, reward point accumulation and what is required to earn rewards. A reward credit card with lots of restrictions and difficult to redeem gift vouchers or reward points will only frustrate things on your end.
A reward program with balance transfer option with 0% intro APR is a good thing to have. It saves you money on high interest rates, and if used properly 0% intro APR credit card can be a good asset. Check out a list of popular reward cards at: http://www.credit-card-gallery.com/Reward_Card.html |
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shamieya
|
You cant; those are for people with good credit. but try emigrantdirect.com. its an online free savings account, so if you open the savings account, you might be able to get their credit card which gives you cash back. |
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DrIG
 |
The best advice that I can give is to not use your credit cards.
Don't worry about cash or mileage. It is much more important that you improve your credit and straighten out your bill paying. As you pay down your debts your credit rating will improve. Just keep the cards open but do not use them.
You may be also able to call your credit card companies and ask for a reduction in your interest rate, if you are lucky and have the discipline to not overuse this device you can obtain cards with a lower rate and transfer your balance. Watch how long the reduced rate is for and what charge if any there is for the transfer.
Good luck. |
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Ask M
|
cash back rewards sound good, but really not worth it, sky miles have to be used up, your best bet would be stay
out of the credit card games (or read the fine print). You
will see your better off doing it the way you are and staying
out of trouble. |
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Coyote Hunter
|
dd |
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Cruiser 68
|
Sounds like it might be difficult until you build your credit back up. check out www.bankrate.com |
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Gary H
 |
There are more that a few lenders who specialize in credit cards for people with bad credit. You just have to look a little harder than most people have to.
And getting a card after you've had a few problems doesn't necessarily mean that you have a higher than normal rate. Like, I said, you'll just have to compare between credit lines, yearly fees, and interest percentages. Just make sure you do your homework BEFORE you commit, and you'll be fine.
You can find some offers for credit cards, both secured and unsecured here:
http://www.axalda.info/bad-credit-cards.html |
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biskio
|
Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like. |
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reena r
|
I think it wil tough to get credit card with bad credit |
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S a l m a
|
Hello JayRust , , ,
I know exactly what you are into there , dont worry . . .
Open Google and type this phrase as it is :
Americans living beyonds means
first site in search results called Only Best Deals click it and
see all types of offers comes with credit cards , but please
note if you didnt find exactly what you are looking for simply
use the top search box this must lead to your answers and
you just type >>> credit card with reward or cash back
or credit card with sky miles , , , this should lead you soon to
your answers
Good Luck JayRust & Have A Very Nice Day |
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