I am looking for a credit card that can help me to pay some of my bills. I have been ill, and my daughter did not take care of them. I have COPD it is a lung disease and I am on oxygen 23/7. I am permanently disabled and receive SSI. Could you please help me? I am looking for a credit card with 0 to low annual fees.

Amy Miller

When you apply for a credit card, your credit card issuer looks at your income to pay it back and your credit score including your payment history. If your income is steady there is a chance you will get approved for credit you will be able to afford. Bear in mind the worse your credit score, the tougher your credit terms. You can check your credit reports and credit scores with one of the three credit reporting agencies - Equifax, Experian and TransUnion – and go to our website to choose from the credit cards for your individual credit score. See if there are credit cards you may qualify for. If so, look into their annual fees and decide on one to suit you best.