caelie a
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When your credit is less than perfect, getting a fresh credit card is becoming increasingly difficult and if you are able to get one, it comes with skyrocketing interest rates. A prepaid credit card is a good alternative to these high interest, bad credit credit cards . Prepaid credit cards are convenient, easy to use, and come with a host of features which make them ideal for those with bad credit. Not convinced? Read on. The following 10 unbeatable reasons will change your perception forever.
1. Qualify Easily:
Have a history of bad credit and are unable to obtain a mainstream credit card? Tired of answering questions about your checkered credit history? Look no further. Prepaid credit cards offer 100% Approval - and bad credit is okay. All-Access® Visa® Prepaid Card and ElitePlus Prepaid MasterCard® Card are some of the prepaid cards which welcome bad credit people with open arms. The Eufora™ MasterCard® Card - The Income Opportunity Card™ gives Guaranteed Approval†.
Read more about it at: http://www.card-gallery.com/article/165,10_unbeatable_reasons_why_prepaid_credit_cards_are_best_for_bad_credit_ |
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twv706
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There is a website at http://www.bad-credit-credit-card-for-people-with-bad-credit.info/ that has a list of credit card providers that issue credit cards to people with bad credit. |
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May I help You?
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Your best place is the bank/credit union where you do your checking/saving.
They already know you, and will do everything they can to keep you a happy customer.
Also - Discover, Chase and Citibank - usually love new customers.
Also, US AIRWAYS MASTERCARD866-419-0881 , or
visa 800-241-6295.
Try to open a US Airways dividend miles account first - and then apply for the credit card - if that suits you. 800-428-4322.
I don't like American Express - because they force you to pay off the amount in full. Even though that's a great idea, you still don't have the choice of say $200 for a payment on a $800 bill. I don't like companies that don't give us choices.
Also - get a copy of your credit report - and 1x per year, it's free, to make sure your previous credit experiences are marked as paid.
I think you have a great chance to repair your credit.
With your good attitude, the past will be behind you only as a reminder of how you have improved and what you accomplished since that time.
GOD bless us always.
MBA-Boston Univ.
CPA-retired |
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paynemdp
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Be careful of applying too much for credit. Those nasty little inquiries penalize you ~12-36 points for every 3-5 inquiries.
Perhaps a better strategy for you, if it applies and you're receptive, is to get added as an Authorized User to the GREAT credit card account of somebody you know well.
If you want a card to improve your credit scores, then your friend or family member can remove ALL risk by having the card sent to him or her.
If offer piques your interest, confirm your friend's card issuer reports to the Big 3.
Your friend needs to have:
1. Seasoned account, i.e. >5 years (the longer the better)
2. No lates...ever.
3. High limit (higher the better)
4. No balances beyond 30%
The more responsible your friend's account, the more benefit to you.
This service on the Internet costs up to $4,000 with a reputable company. Of course, you don't get a card.
You actually get something better than a card - you get the benefit to your scores. You're "piggy-backing" off somebody else's credit history. |
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beauty s
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You should see what your score is 1st. Then if its 620 or better u have a good chance of getting a credit card.. |
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laura
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http://app50.imaginegoldcard.com/signup.form;jsessionid=bw4J3Hr1OtZb1CB5vf
im sure you can get a card with them.
good luck |
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gabriel jones
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Bad credit is one of the worst problems to have... however there exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,
a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :
http://umgarticles.atspace.com/debt-consolidation.htm
if it helps kindly remember me in your voting!.. cheers! |
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$m¤¤v¥ £¤¢¤
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You may want to check where you do your banking to see if they offer a low balance credit card or a secured credit card. Secured cards are the easiest to get becuase you have to put a deposit upfront in order to secure the same amount in a line of credit. Orchard Bank has them, Bank of America, Wells Fargo has them, for a more complete list, click the link below. If and when you do get the card, make small purchases that you're able to pay off in full on time, every month. If possible, try to add to the security deposit to increase the credit line. The higher your credit line is the better it looks once it's unsecured. Once you've gotten that one to unsecured status, then open another one and do the same thing. That way, you will have had control over your limits on both, and once your credit improves, instead of bargaining for a line increase, you can bargain for a lower interest rate. And I can't forget about the security deposit, you may be able to get interest on that. After it's all said and done, I'd put it into a CD certificate of deposit and later on you can use it for a collateral for a signature loan to boost your credit higher. |
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svictor24
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There's a website that I just went to and got approved for a credit card. I just cleared up my credit too and they were the only one to approve me with a 500 spending limit. It's for people who have bad credit and want to rebuild their credit.
www.orchardbank.com |
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kiafran
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you may have to get a secured card, that you borrow against yourself to build the credit. |
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tinkteaser1981
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even if your debts have been paid off and you are clear of anything outstanding your credit reports still remain on file for a few years for companies to see. Try this website, they show you your credit report on line and that may answer your question more clearly. www.experian.co.uk |
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Robin the Electrocuted
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You might have luck with Vanquis
http://www.vanquis.co.uk
They issue cards to people with poor ratings. Just remember to pay it off in full each month as the interest rates are astronomical. |
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jasminetablen
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google Orchard Bank,,,they are always online and bragging about credit for bad credit individuals. |
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byebye
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try uswitch or money saving expert they offer cards under your circumstances,but it is higher interest |
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chocobocharmer
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It might take some time to get one. Make sure to pay bills on time to start helping. Please DO NOT fall for the companies who offer cards at a price and then cap your limit at a couple hundred dollars. Namely, stay away from the First National Bank of Marin and like places. You also might be interested to look for info on Clark Howard's (financial wiz) website. |
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Legandivori
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Have somone who trusts you co-sign applications. |
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