Bad Credit Cards FAQS

Make a request of your credit report at annualcreditreport.com to see what your current credit score is. Also, check your credit report for inaccuracies. If there are any, try to dispute them with your credit issuer or a credit bureau. Wait until all changes will be reflected in your credit report and only then apply for a credit card according to your credit score. If your credit score is still bad, consider a secured credit card. Applying for this credit card you have more chances to get approved because the card requires collateral.

Since you are trying to fix your credit you should be very careful when applying for another credit card. First of all, try to find out why you were denied – this will help you understand what you did wrong and what should be work out. Next, find out what is your current credit history. And now, as you know your credit history you can choose a credit card. Indicate you credit history in the tool, choose what card you want and tick the preferences and click the “Find Cards” button below. The toll will show the cards that may be good for you.

If you are able to open a deposit it will be worth applying for a secured credit card. Secured credit cards are like a general credit card except one thing: you should pay a security deposit, a kind of collateral for a credit issuer. As a rule the security deposit is fully refundable which means that if you pay off your balance the deposit won’t disappear or shrink. Also secured cards report your credit performance to major credit bureaus. Thus, if you make timely payments, do not skip or miss due dates, your credit history will be improving month by month.

If you have bad credit and are looking for a credit card, take a closer look at unsecured credit cards for bad credit and secured credit cards. Be ready for tough credit terms and conditions in the case of unsecured credit cards designed for people with bad credit. Please bear in mind that it is always your credit card issuer to decide on your approval or disapproval.

Your credit is bad. So, you can browse through the unsecured credit cards and secured credit cards designed for applicants with bad credit. The former extend credit to you, the latter require an upfront security deposit. Decide on a credit card and apply online.

A credit score of 526 shows your credit is bad. You can browse through the credit cards designed specifically for bad credit history. Apply online only for the credit card you really need or you may qualify for. Please bear in mind that it is a credit card issuer to decide whether or not to issue you a credit card. If you obtain a credit card, pay off you balance on time and in full and try to keep far below your credit limit. This way, you can help your credit.

At BestCreditOffers.com you will find very attractive bad credit credit cards issued by the most reputable U.S. banks and credit card companies. Click here to compare these credit cards online and decide on a card to apply online for. Please note that your credit card rate will be higher and credit limit will be lower as compared to good to excellent credit credit cards.