coreys1247
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To answer your question; there are many secured cards you can apply for that advertise they can help your credit.
I highly recommend the Eufora Credit Builder Mastercard from Bank First.
Why?
Because:
1. You are guaranteed to be approved, there is no credit check.
2. It is a Mastercard you can use anywhere Mastercard is excepted.
3. It reports to the credit bureaus and will have a dramatic impact on your credit.
How much is it?
Its $99 for a 2 year membership ($49.50 a year)
When you pay the $99, you will have a zero balance and will need to load funds onto it. (You can load funds by transfer, credit card, debit card, bank draft, money order, check, western union or however else you want to)
Once you load money onto it, Bank First will auto draft $10 a month as a fee to report to the credit bureaus. You never need to make monthly payments and each and every month it will build your credit.
It may sound expensive, but have you any idea how much bad credit costs you? Thousands every year.
FYI, it also reports that you are making payments on an installment loan so it really helps your credit!
You can apply for it here: http://www.goeufora.com/418121496892 |
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nickynoodles33
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Why do you need another????
I think red lights are flashing here!! - I really do panic about people and credit.
Please be careful |
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lefang
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DEPENDS ON HOW MUCH INTEREST YOU WISH TO PAY FOR YOUR CARD. remember you cannot borrow money to get out of debt. moneymarket.com ,LF |
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John H
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If you have turned your debt around and don't owe anything then get a card otherwise don't get into more debt. |
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Leopold Bloom
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If you can't get a Capital One card then it is a sign that you shouldn't have a credit card. Sounds like a mean thing to say but you'll get ripped off if you get one. |
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swy3388
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If you have a few hundred dollars that you can set aside and just need a credit card for emergency/convenience, and you plan to pay it off each time you receive the statement, then any of your local bank should be able to let you open a CD account then use that CD as a collateral & issue you a credit card with the same amount in credit limit. |
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phooey
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What's the obsession with getting more credit when you've already proved you're bad with credit - hence the bad credit history.
Get a single debt consolidation loan (Household Bank or similar) and then cut up all your cards and get rid of overdraft.
Set yourself a strict budget (your bank can give you a template budget planner) and stick to it.
When your debt consoldation loan comes to an end you'll be debt free. |
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finalfrontier1976
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I was going to say Capital One but what I would advise is a comparison on the net. I think there is a card called Avery or Vista or something like that but the APR is somthing like 30%. I would strongly advise that you speak to Capital One directly. It's been my experience when I've hit hard times that if you speak to them before they have to contact you it's always better. |
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MARTIN D
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www.surefirefinance.co.uk |
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jbme
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having ANY credit card is like playing with poisonous snakes, you will get bit. |
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Mr Credit Card
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The other card (aside from capital one) to consider is the orchard bank mastercard. Reason being that it has reasonable fees and apr compared to other "sub-prime" credit cards. If your credit is really bad, Orchard will approve you for a secured credit card.
When you are checking around, watch out for the following :
1. Check the annual fee (anything above $100 is very high).
2. Is there any one-time application or processing fee?
3. what is the apr? (mid teens is a reasonable level for a sub-prime card).
4. Does it report to the three major credit bureaus?
5. How often are credit limits reviewed?
6. Do you have to pay any fee for a credit limit increase? (Yes, there are cards who charge these fees).
7. Make sure there is a grace period (Yes, there are some cards with no grace peiod - hit with interest charges immediately).
hope that helps. |
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jessigirl00781
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Orhcard Bank is a good one! |
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jan65
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There is a site called MartinsMoneyTips@moneysavingexpert.com its very good and he can compare any credit cards and the best deals they have at present. On this site there is a debt free link to help you . Hope this helps .PS dint take another credit card on this will only make matters worse for you |
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Alice b
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Honey once you have a Capital One card eveyone else will be giving you one.........I mean card x |
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Andy H
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You will need to apply for one of the cards that specialise in this area, but be prepared to pay large, even extortionate rates for credit.
See http://www.creditcards4badcredit.co.uk/
(Vaqnquis are the best known: http://www.vanquis.co.uk )
As you can see they charge 25-35% APR, so forget balance transfer deals etc and make sure you only get one if you need the security online etc and are going to pay off the full balance each month or you'll get in a debt spiral real quick |
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hunny
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I had bad credit & capital one gave me my first card, with an annual fee. Then next card I got was orchard bank. The limit was only $500.00, but better than nothing. I would try them! |
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Simon G
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If you have a bad credit rating, it will always be difficult to get a credit card and if you do manage it, it'll probably has next to no credit limit. Another useful option is to get a refillable credit card. This is like a 'pay-as-you go' credit card. It has all the benefits of a credit card, but none of hassles of credit checks! You control the credit limit by filling the card up and you can never get into debt. One I have found is http://www.mycashplus.co.uk/?PC=EFG001
Hope it helps
S |
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mjammy1978
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vanquis card give you credit but then if you already have a capital one card you really should consider paying off that one
try to not get into too much debt
i have a capital one and a barclaycard and i want a mortgage
remember its not your money and you are spending lots on interest payments
try saving your money and pay for things with cash.
with a card you dont really realise that its money you are spending only plastic |
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mandygll
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When and if you get another credit card, get rid of the capital one card. They charge like 29% interest and you will forever be paying them off. You get into a vicious circle and sometimes its never ending. I have just got rid of mine after like 3 years and i feel like a new person. Best advice is get a debit card and get rid of the capital one!!1 |
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Ms Fabulosity
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If you have a poor credit rating, then you should consider NOT GETTING ANY MORE CREDIT CARDS!!
If you absolutely MUST have one, Provident or Vanquis do them at EXHORBITENT rates.
The other alternative is a PAYG credit card. I got a pre-paid Mastercard from The Money Shop.
All you have to give them is 2 forms of ID and there's no credit check. You initially pay £9.99 for the card and it takes 5-7 working days to get to you. You then have the option of paying £4.95 per month to use it as many times as you want or, if you'll only be an occasional user, you pay a £1 per transaction fee.
You can top up the card as many times as you want either at The Money Shop or the Post Office; they also can make arrangements to have your wages/salary paid direct to the card.
Hope this is of some use! |
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kalai s
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You can get the creditcard, through this link.. i hope it will help you...
http://www.freewebs.com/easycreditcard/ |
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DrunkenDialer
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Yes, but I strongly advise you not too because you'll end up paying far too much interest.
Use a debit card instead! |
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Dr Dee
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You can probably get a secured credit card from your bank. |
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Cali Dude
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Look up Orchard Bank. |
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gseeband
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If you already have a Capital One card AND have a poor credit rating, you should really think seriously about not getting any further into debt. However, if you just MUST have another credit card, Providian is like Capital One - they will give a card to just about anybody. (It's a Visa card.) What I suggest (and use, myself) is a VISA debit card through my credit union, which allows you to do things you normally need a credit card for, like renting cars or buying plane tickets online, etc., but you are using money you actually have in the bank, so there isn't any interest to pay. |
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♥~C.J~♥
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i think you would just have to apply and see if you get one |
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