How can I get an unsecured credit card, and i want to build credit. I have bad credit.
Answered on Sunday, August 1st, 2010 by
Amy Miller

To choose a credit card for bad credit, please, visit our Bad Credit Cards page. We have credit cards and prepaid debit cards presented on the page. Though some prepaid debit cards provide opportunities to build credit, if building credit is your primary goal, you should focus on credit cards for people with bad credit history. Secured cards do have a little lower interest rates and easier approval, as you provide a cash deposit as a guarantee to the bank, yet you can still get a regular credit card. Before you apply, make sure to read terms and conditions, what are the requirements for approval, compare interest rates, fees, available credit limits, etc. Make sure the credit card you choose reports regularly to major credit bureaus, it will help you build credit faster. And remember that simply getting the credit card is not enough, you should know how to use it responsibly. Making payments on time to all your creditors (if you have an open credit line elsewhere) and keeping your balances below credit limits are the basic ones that you cannot neglect. Choose wisely, handle it responsibly, educate yourself and enjoy good results of your diligence in the future.

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Although store cards tend to have a large window of the types of credit they accept, I would not recommend it. If you have not done anything since applying for the previous cards you were denied for, it would be doubtful your credit has improved much. If you have recently been denied for other store […]

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