Bad Credit Cards FAQS

June 14, 2017
Yes, but there are a few things to know before you start applying. The first thing you'll want to do is order a copy of your credit report. Do this for each of the big three credit bureaus: Experian, TransUnion, and Equifax. You are entitled to a free copy every year. Look through the reports carefully, taking note of any information that may not be accurate. Some estimates say that as many as 80% of credit reports contain errors; you will want to contact the credit bureau and correct any misinformation that you find. Next, look at your overall credit score. It may not actually be as bad as you fear. If it is, don't worry; many people are able to recover from poor credit in less time than...
May 25, 2017
The First Progress Bank generally issues secured cards, i.e. cards specifically for building credit. They all work pretty much the same. A secured card is a real credit card that relies on a customer deposit rather than on credit history. That makes it ideal for people with limited or no credit. You pay a security deposit that is usually equal to the credit line you get. Other than that secured cards work like any other credit card. You charge a card and get a balance. You may revolve a balance by paying only the minimum monthly payment or avoid finance charges by paying the balance in full each month. If you carry a balance, you may face paying interest payments. If you fail to make any...
May 11, 2017
You may find different credit card offers aimed at people with bad credit. It is important to understand your financial situation and preferences to recommend the best card for bad credit. First of all, you should consider fees and interest rates. You may choose from secured credit cards. They are easier to qualify as they often require a security deposit. The security deposit acts as a guarantee of your promise to pay and if you default on a secured credit card, the creditor will use your security deposit. You need to spend some time researching on your options and then pick out one that is more suited to your needs. You can even find secured credit cards that will send reports to the...
April 15, 2017
When you have bad credit, you are less likely to be approved for a credit card that means your applications for a credit card could be denied. Of course you are not stuck with your bad credit scores. Your score can improve after a few key credit management habits. If your credit is below 500±, your credit score is considered bad. You may choose from credit cards for bad credit. In general, scores fall along the following lines: Very good or excellent credit: 720-850± Good credit: 680-719± Average or fair credit: 620-679± Poor credit: 500-619± Bad credit: Below 500± ± Credit scores are used to represent the creditworthiness of a person and may be one...
April 10, 2017
The best way to figure out why you don't have credit limit as big as you were expecting is to address the issuer directly. That is, to find out the reason for this, you need to find a local HEB branch and ask them. Mostly your credit limit depends on your credit history. If it is yet to build, that the chances of you getting a large credit limit are rather low. The bank is just not sure it can trust you to pay your large balance soon. As soon as you increase your credit score you will get bigger credit limit. As for the rewards, HEB credit cards currently don't offer any rewards. But you can enjoy discounts at HEB stores or opt for a specific credit card with rewards that will...
March 24, 2017
The Emporium credit account is designed for people with bad credit and you may even qualify if you have no credit at all. Some general requirements for this card are as following: you should be a U.S. resident, should have a stable source of income, and have a checking account. The approval process for the Emporium card is quick and easy. You will know if you qualify for the card in less than a minute.
March 18, 2017
The Emporium credit card is a store credit account that can only be used at Emporium.com. The card is not affiliated with Visa or Mastercard, so you won't be able to use it anywhere outside the online store. You cannot use the Emporium card for groceries or bill payments either. For that, we would recommend you to apply for a regular credit card that is offered by a major bank.
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