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When you have bad credit, you can get stuck in a vicious cycle. You need a credit card to help rebuild a good credit history, but your history prevents you from getting one. Fortunately, there are some good credit card options for people with bad credit. Some will help you build up your credit rating, while others are mainly for convenience or budgeting. Even if your credit rating is low, you should be able to find one that fits your situation.
Bank Cards
Many banks will be reluctant to give you a credit card when you have bad credit. If you have had a savings or checking account with one bank or credit union for a long time, and if you've maintained a reasonably good financial history with that financial institution, it may be willing to give you a credit card. Many issuers who give credit cards to people with bad credit charge high interest rates, annual fees and even monthly service charges. Your own bank or credit union is more likely to give you a card with favorable terms, even if your credit is bad.
Secured Credit Cards
Secured credit cards are good for people with bad credit because virtually anyone can get one. The main requirement is having a deposit with which to secure the card. Many banks will accept a deposit of as little as $100 to $300. Once you make it, you will receive a credit card with a limit that is equal to the deposit. This will help you stay on a budget by limited your spending power. It will also help rebuild your credit if you make the payments on time every month. Jessica Seubert of Bankrate.com says many secured card issuers will let you open an unsecured account if you maintain a good payment record for a year.
Pre-Paid Credit Cards
Pre-paid credit cards are good for people with bad credit because they force you to stick to a budget. Even though the pre-paid card will have a Visa or MasterCard logo, it doesn't actually give you a credit line. You load it up with money, and this allows you to use it at any website or merchant where credit cards are accepted. Once you spend all the money, you cannot use the card until you load it up again. This prevents overspending because you can only spend money you already have rather than digging yourself into debt with a traditional credit card company. The Credit Card Guide warns that some pre-paid cards have high fees, so you should shop around for the best deal.
See also www.creditcardguide.com/best-credit-cards-bad-credit
14 Mayıs 2012 Pazartesi
Low APR Credit Cards For Bad Credit
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Bad credit will follow you not just in your finances, but also when you are applying for jobs and seeking housing. Improving a credit score can be challenging, but it is essential. If you currently have a poor credit score, you can still get a low-interest credit card to begin improving your credit history. It can be difficult--especially if you are relying only on your credit report.
How To Get a Low APR Credit Cards For Bad Credit:
How To Get a Low APR Credit Cards For Bad Credit:
- Pull a recent copy of your credit report. Visit this website: www.annualcreditreport.com. This will give you access to a free credit report. You should also pay for your credit score, also called a FICO score. This is the three-digit numbers lenders use to assign rates and fees on credit accounts. Scores above 720 are excellent, but scores below 600 are poor. In general, the higher your score, the lower your credit card interest rate. Regardless of your credit score, however, if you pay late companies will almost invariably raise your rate.
- Look at the programs offered at your bank. Some lending institutions will look favorably on credit applications if you already do business with them. If you have a long banking history with a checking or savings account at your local bank or credit union, ask a loan officer about low-limit, low-interest cards for current customers.
- 3. Apply for a secured credit card. These accounts are secured with your own money in a separate savings account. The credit limit is determined by the amount of money in this "collateral" account. While fees and rates on these accounts are traditionally high, you may be able to negotiate a lower rate once you make several consecutive, on-time payments.
- Ask a friend, family member or colleague to be a cosigner on a credit card. This must be done delicately. A cosigner is as obligated to a credit account as is the primary signer. If you fail to make the payments, your cosigner must pay or suffer the same credit consequences.
- Ask a family member or friend if you can be an authorized user on a credit card. As an authorized user, you will not be obligated to the credit account but will have access to funds. The credit history on the card is reflected on the credit reports of both the primary signer and authorized user. If you become an authorized user, you can enjoy the benefits of a low-interest credit card account (presuming the co-signer has good credit).
Top 10 Credit Cards For Bad Credit
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Top 10 Credit Cards For Bad Credit
1. Centennial® Secured MasterCard and Visa Credit Card
1. Centennial® Secured MasterCard and Visa Credit Card
- Convenient 24-hour account access by phone
- Use your card everywhere MasterCard® cards are accepted (subject to available credit)
- Monthly reporting to major consumer reporting agencies
- Reasonable credit limit can help you spend smarter (subject to available credit)
- Nearly 3 million credit cardholders
- Easy and fast credit card application
- This is a credit card, not a debit card or prepaid card
- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
- On-call customer service representatives to assist you with questions or concerns
- For people with bad credit
- May be able to help build, rebuild, or reestablish your credit history if you make on-time minimum payments with all of your creditors and maintain your account balances below the credit limits
- Reports monthly to the major consumer reporting agencies
- Access your account by phone at any time, day or night
- This is an unsecured, fee-based product
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
- You may qualify for credit line increases with no further security deposit required
- Use it like any MasterCard credit card, accepted at millions of locations worldwide
- $0 Monthly Fee*
- Higher daily and monthly limits
- Borrow money and build credit history*
- Free credit builder and bill pay
- Build credit history - report to all 3 major credit bureaus
- 0% APR on all purchases for the first 6 months
- No annual fees or monthly maintenance fees
- No credit check or checking account required
- 12.99% Low Fixed APR - Rate won't change even if you're late
- Choose your credit limit - from $200 and up to $500
- Monthly credit bureau reporting
- Genuine Visa credit card - not a prepaid or debit card
- Accepted worldwide at millions of locations
- Free Prepaid MasterCard®
- $0 activation fee
- Free direct deposit
- Free account management online or with your mobile phone
- Send money with your mobile phone
- No credit check, no bank account needed, no overdraft fees
- Reload at nearly 50,000 retailers
- No overdraft or penalty fees
- No credit check
- Free ATM withdrawals
- Free online. Save $5 over retail price
- $10 credit and free loading with direct deposit
For more detailed information please visit www.themoneygranter.com
- Ace Pink Visa Prepaid Debit Card
- BABYPHAT PREPAID VISA® RUSHCARD x2
- Centennial Unsecured Credit Cards
- Household Bank MasterCard
- New Millennium Bank Credit Card
- Next Millennium Credit Card
- Platinum ZeroTM Secured Visa® Credit Card from Applied Bank®
- READYdebit® Visa Prepaid Card
- RUSH prepaid visa card
0 Balance Transfer Credit Cards For Bad Credit
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0% Balance Transfer Credit Cards For Bad Credit
One is in a position to apply for a credit card for bad credit online. You will have to do some research in order to find the best firms. There are different rates that are being charged by different financial institutions. It is important that you go for one that you can afford. This will be highly determined by you monthly income.
You will be in a position to transfer your finances from one account to the other without any payment. The interest charges will be removed and this will make it even more affordable. There will be some charges for some few months, but after that, you will not have to make any payments.
One of the things that you have to take note of is the fine you will pay because of late payment. You will also have to make some credit card payment every month. Because of this, it is important that you budget your income well to take care of these charges. There will be some expenses that you will have to do away with.
Before you apply, it is important that you go through the application form before applying. This will let you know of any charges that will be required. You will also be in a position to know their interest rates. You should also ensure that that is exactly the card you are planning to apply for. Also ensure that you make your payments on time to avoid penalties.
The other thing you should keep in mind is the membership fee. You will think that you will not be required to make any payments when transferring your cash. You will then be surprised when you get charged.
But not all financial institutions have a membership fee. You will be required to make some research to find them. Ensure that you go through the reviews and this will guide you to the best ones. A number of credit cards for bad credit are so tempting to have, and you should not jut apply for any. It is advisable that you go for one that you need and can afford it.
Please visit www.granitecard.co.uk for more information about credit cards for poor credit.
One is in a position to apply for a credit card for bad credit online. You will have to do some research in order to find the best firms. There are different rates that are being charged by different financial institutions. It is important that you go for one that you can afford. This will be highly determined by you monthly income.
You will be in a position to transfer your finances from one account to the other without any payment. The interest charges will be removed and this will make it even more affordable. There will be some charges for some few months, but after that, you will not have to make any payments.
One of the things that you have to take note of is the fine you will pay because of late payment. You will also have to make some credit card payment every month. Because of this, it is important that you budget your income well to take care of these charges. There will be some expenses that you will have to do away with.
Before you apply, it is important that you go through the application form before applying. This will let you know of any charges that will be required. You will also be in a position to know their interest rates. You should also ensure that that is exactly the card you are planning to apply for. Also ensure that you make your payments on time to avoid penalties.
The other thing you should keep in mind is the membership fee. You will think that you will not be required to make any payments when transferring your cash. You will then be surprised when you get charged.
But not all financial institutions have a membership fee. You will be required to make some research to find them. Ensure that you go through the reviews and this will guide you to the best ones. A number of credit cards for bad credit are so tempting to have, and you should not jut apply for any. It is advisable that you go for one that you need and can afford it.
Please visit www.granitecard.co.uk for more information about credit cards for poor credit.
Easy Credit Cards For Bad Credit
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Even people with bad credit can be approved for a new credit card if they know where to look. If you have very poor credit, you may have to apply for a secured credit card, as opposed to an unsecured card. Secured cards require a security deposit, usually equal in amount to the line of credit you receive. Properly maintaining your new card will help you begin rebuilding your credit score.
Easy Credit Cards For Bad Credit
American Octane Black
The American Octane Black credit card has a 100 percent approval rate, no matter how bad your credit is currently. You will receive a line of credit between $1,000 and $10,000. Owning the American Octane black will allow you to help rebuild your credit, as they report whether you make payments on time to the three credit bureaus. The downside to choosing this card is that there is a one-time $99 activation fee, and a $9.95 fee charged monthly.
Public Savings Bank Classic
If you are looking for a credit card that does not have any fees, consider the Public Savings Bank Classic by Visa. This card charges no activation or monthly fees. Additionally, there is no credit check performed, so your current credit score does not matter. For the first six months, you will receive a 0 percent APR; afterward, the rate increases to 11.24 percent. Your performance with the card will be reported to the three credit bureaus, so you can fix your credit score over time.
Centennial Secured
Another credit card option for those with poor credit is the Centennial Secured card by Mastercard. To apply for a card, you do not need to have any established credit history. The card carries a $50 fee every year, so determine if you are willing to pay this fee before applying. The APR for the Centennial Secured credit card is 19.9 percent.
Easy Credit Cards For Bad Credit
American Octane Black
The American Octane Black credit card has a 100 percent approval rate, no matter how bad your credit is currently. You will receive a line of credit between $1,000 and $10,000. Owning the American Octane black will allow you to help rebuild your credit, as they report whether you make payments on time to the three credit bureaus. The downside to choosing this card is that there is a one-time $99 activation fee, and a $9.95 fee charged monthly.
Public Savings Bank Classic
If you are looking for a credit card that does not have any fees, consider the Public Savings Bank Classic by Visa. This card charges no activation or monthly fees. Additionally, there is no credit check performed, so your current credit score does not matter. For the first six months, you will receive a 0 percent APR; afterward, the rate increases to 11.24 percent. Your performance with the card will be reported to the three credit bureaus, so you can fix your credit score over time.
Centennial Secured
Another credit card option for those with poor credit is the Centennial Secured card by Mastercard. To apply for a card, you do not need to have any established credit history. The card carries a $50 fee every year, so determine if you are willing to pay this fee before applying. The APR for the Centennial Secured credit card is 19.9 percent.
Online Credit Cards For Bad Credit
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Types of Online Credit Cards For Bad Credit
So you have bad credit, is it really a big deal? Your credit history is basically a snapshot of your previous debts and payments. It records all the late or absent payments reported by your creditors and keeps a score. That score tells future lenders what kind of borrower you may be and helps them decide how much to lend, or if they should lend to you at all.
In the early days of credit cards, having a bad credit score was pretty much a death sentence where lending is concerned. These days it is almost common place. With a huge part of the population holding between one to six credit cards and the recession leaving a chaotic trail behind it, I'd say a very large of the population of consumers have what is considered bad credit.
Not to say bad credit should be taken lightly or obtained on purpose, you will need a good credit history for any major loans, mortgages and automobile purchases. As far as credit cards go, bad credit can be a burden but there are cards that are issued regardless. With a little online research and discipline, you can use these cards to reverse the damage already done.
So which cards are best for those with bad credit? Well prepaid cards are one example. You get automatically approved, load them then spend until the balance you loaded is gone. They don't do a credit check on you and they don't report good or bad payments to your credit bureau either.
Prepaid cards solve the problem of trying to purchase with a credit card, but that's about it. Secured cards are like the ones you get from banks and financial institutions, only you have to put a deposit down. You'll find lots of these online.
Unsecured cards are hard to come by when you have a poor credit score. You could try the First Millennium Platinum Card. They don't do credit checks either and will consider those with bad credit. The First Millennium Platinum Card application only takes a minute to fill out, plus a sixty second approval. Check out their website online.
When you're looking at credit card providers and lenders, check out the terms and interest rates. Generally you'll pay more interest because you are technically a higher risk to them. However, it is very possible to pay little or no interest. First Millennium Platinum Card offers zero percent APR. It's pretty simple, charge your purchases and make payments on time so you don't pay any interest.
Also ask if they offer cash advances. Most retailers nowadays accept credit cards but it doesn't hurt to have access to a little cash when you need it. Be very sure to make your payments on time. Your good payment history with First Millennium Platinum Card will ensure that should you need more credit down the road, you will have access to it.
This is your shot at fixing your bad credit so make the most of it. First Millennium Platinum Card can be your second chance. They understand that even honest people accumulate bad credit. There are plenty of resources online to help you budget your money and ensure you get your payments in on time.
This Article is related to the subject of bad credit. If you are looking for first millennium platinum card then www.card-approvals.co.uk is the greatest place for you.
So you have bad credit, is it really a big deal? Your credit history is basically a snapshot of your previous debts and payments. It records all the late or absent payments reported by your creditors and keeps a score. That score tells future lenders what kind of borrower you may be and helps them decide how much to lend, or if they should lend to you at all.
In the early days of credit cards, having a bad credit score was pretty much a death sentence where lending is concerned. These days it is almost common place. With a huge part of the population holding between one to six credit cards and the recession leaving a chaotic trail behind it, I'd say a very large of the population of consumers have what is considered bad credit.
Not to say bad credit should be taken lightly or obtained on purpose, you will need a good credit history for any major loans, mortgages and automobile purchases. As far as credit cards go, bad credit can be a burden but there are cards that are issued regardless. With a little online research and discipline, you can use these cards to reverse the damage already done.
So which cards are best for those with bad credit? Well prepaid cards are one example. You get automatically approved, load them then spend until the balance you loaded is gone. They don't do a credit check on you and they don't report good or bad payments to your credit bureau either.
Prepaid cards solve the problem of trying to purchase with a credit card, but that's about it. Secured cards are like the ones you get from banks and financial institutions, only you have to put a deposit down. You'll find lots of these online.
Unsecured cards are hard to come by when you have a poor credit score. You could try the First Millennium Platinum Card. They don't do credit checks either and will consider those with bad credit. The First Millennium Platinum Card application only takes a minute to fill out, plus a sixty second approval. Check out their website online.
When you're looking at credit card providers and lenders, check out the terms and interest rates. Generally you'll pay more interest because you are technically a higher risk to them. However, it is very possible to pay little or no interest. First Millennium Platinum Card offers zero percent APR. It's pretty simple, charge your purchases and make payments on time so you don't pay any interest.
Also ask if they offer cash advances. Most retailers nowadays accept credit cards but it doesn't hurt to have access to a little cash when you need it. Be very sure to make your payments on time. Your good payment history with First Millennium Platinum Card will ensure that should you need more credit down the road, you will have access to it.
This is your shot at fixing your bad credit so make the most of it. First Millennium Platinum Card can be your second chance. They understand that even honest people accumulate bad credit. There are plenty of resources online to help you budget your money and ensure you get your payments in on time.
This Article is related to the subject of bad credit. If you are looking for first millennium platinum card then www.card-approvals.co.uk is the greatest place for you.
Credit Cards For No Credit or Bad Credit
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Credit Cards For No Credit or Bad Credit:
Finding cash is tough, but there are credit cards for people with no credit available online that offers secured and unsecured credit lines and easy qualifications. Finding credit cards for people with no credit is not so difficult if you know where to look and apply for the right offers that provide no credit check approvals and easy qualification requirements.
Many Americans find themselves with bad credit these days. The financing crisis and current economic woes have hit many honest individuals hard, and has turned many honest people and borrowers into people with bad credit. Bankruptcies, foreclosures, repossessions and seizures are on the rise as people find themselves unable to make their current payments because of job loss, downsizing or income impairment.
With a declining credit score you are like many who have found your financing and borrowing options limited. Credit cards are a way of life today, required for online purchases and can be a vital source of capital when you need to money until your next paycheck, but with the financial meltdown, credit card companies have become more stringent in their qualifications for new applicants.
Credit Cards - No Credit Check Required
Whatever your personal finance situation, relying on your credit score for approval of a new credit card is both nerve wracking and a hassle. Getting declined for a new credit card is never fun and it can lead people to believe that they are unable to get approved any longer. This is not the case, and luckily for us there are credit cards for people with no credit.
These credit card offers allow people to qualify with other factors taken into consideration for approval. These factors vary from program to program but some check your current employment, others require deposits to secure your credit line, but whatever the case may be, they equal easy approvals for a new credit card. Lenders of these cards are looking for honest individuals that are in need of a new credit card but are in need of a second chance because of previous financial stumbles.
For People Who Need to Get Approved Fast
Credit cards for people with no credit commonly offer secure online applications and the ability to apply from the comfort of your home computer using the internet. Filling out a few financial details you can complete an application in a matter of minutes and have an approval for your new credit card. What does this mean for you the consumer? Cash for you fast and money you can spend for pressing emergencies without problematic qualification delays and issues.
It Benefits to Apply Today
With drastic changes on the horizon for the credit card lending industry it benefits you to apply today for credit cards for people with no credit, as these programs may be discontinued in the future. For now, we have these second chance opportunities that can help build credit and get you cash fast when you need it, so take advantage of these credit cards while they last and apply today.
Visit www.reallybadcreditoffers.com can help you get approved regardless of your credit history for credit cards for no credit or bad credit and find financing top credit options for fast approvals.
Finding cash is tough, but there are credit cards for people with no credit available online that offers secured and unsecured credit lines and easy qualifications. Finding credit cards for people with no credit is not so difficult if you know where to look and apply for the right offers that provide no credit check approvals and easy qualification requirements.
Many Americans find themselves with bad credit these days. The financing crisis and current economic woes have hit many honest individuals hard, and has turned many honest people and borrowers into people with bad credit. Bankruptcies, foreclosures, repossessions and seizures are on the rise as people find themselves unable to make their current payments because of job loss, downsizing or income impairment.
With a declining credit score you are like many who have found your financing and borrowing options limited. Credit cards are a way of life today, required for online purchases and can be a vital source of capital when you need to money until your next paycheck, but with the financial meltdown, credit card companies have become more stringent in their qualifications for new applicants.
Credit Cards - No Credit Check Required
Whatever your personal finance situation, relying on your credit score for approval of a new credit card is both nerve wracking and a hassle. Getting declined for a new credit card is never fun and it can lead people to believe that they are unable to get approved any longer. This is not the case, and luckily for us there are credit cards for people with no credit.
These credit card offers allow people to qualify with other factors taken into consideration for approval. These factors vary from program to program but some check your current employment, others require deposits to secure your credit line, but whatever the case may be, they equal easy approvals for a new credit card. Lenders of these cards are looking for honest individuals that are in need of a new credit card but are in need of a second chance because of previous financial stumbles.
For People Who Need to Get Approved Fast
Credit cards for people with no credit commonly offer secure online applications and the ability to apply from the comfort of your home computer using the internet. Filling out a few financial details you can complete an application in a matter of minutes and have an approval for your new credit card. What does this mean for you the consumer? Cash for you fast and money you can spend for pressing emergencies without problematic qualification delays and issues.
It Benefits to Apply Today
With drastic changes on the horizon for the credit card lending industry it benefits you to apply today for credit cards for people with no credit, as these programs may be discontinued in the future. For now, we have these second chance opportunities that can help build credit and get you cash fast when you need it, so take advantage of these credit cards while they last and apply today.
Visit www.reallybadcreditoffers.com can help you get approved regardless of your credit history for credit cards for no credit or bad credit and find financing top credit options for fast approvals.
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