|Best Credit Offers|
|Best Credit Cards|
|Balance Transfer Cards|
|0% APR Credit Cards|
|No Fee Credit Cards|
|Instant Decision Credit Cards|
|Business Credit Cards|
|Student Credit Cards|
|Limited Credit History|
|Fair Credit Cards|
|Bad Credit Cards|
|Limited or No Credit Cards|
|Secured Credit Cards|
|Reward Credit Cards|
|Cash Back Credit Cards|
|Frequent Flyer Cards|
|Gasoline Credit Cards|
|Hotel Rewards Cards|
|Point Rewards Cards|
|Prepaid & Debit Cards|
|Best Prepaid Cards|
|Credit Cards by Bank|
|Barclays Bank Delaware|
|Capital One® Credit Cards|
|Credit One Bank Cards|
|Discover® Credit Cards|
|Horizon Card Services|
|Mastercard® Credit Cards|
|The Bancorp Bank|
|Visa® Credit Cards|
|WebBank Credit Cards|
|Foreign Credit Cards|
|Canadian credit cards|
CREDIT CARD INFOCENTER
CREDIT CARD TOOLS
No Annual Fee, No Over Limit Fee.
Get Response in 60 seconds.
No Credit Check, Overdraft Fees or Interest Charges.
Earn Cash Back Rewards.
|Credit History||Annual Fee||Activation Fee||Apply / Details|
|Poor / Bad||$35-$75||n/a||
|Bad / No||$49||$99||
|Activation Fee||Guaranteed Approval||Credit Check||Build Credit||Apply
Here you will find credit card applications for people with bad credit scores, limited credit, and no credit history. Although credit cards for bad or limited credit don`t usually have low rates or rewards programs, they are essential in helping you establish or rebuild credit. Even though the terms aren`t the best, credit cards for poor credit are extremely useful. Not only do they act as a stepping stone toward building your credit, but if you are responsible using the card and paying the bill you will be able to get a better credit card in the future. We have a variety of credit cards to select from. If your credit history is limited, you can also choose from the offerings at credit card applications for limited credit.
If you have bad credit, you may need to apply for a secured credit card. In order to get one of these cards, the issuing bank will require you to open an account with them. You will need to make a deposit in the account which will act as collateral for the credit card. Your credit limit is usually equal to the amount of money that you deposit. Read the details of the offer to confirm how much your limit will be and to find out if there are any additional fees.
People with limited credit history or a bad credit score tend to prefer secured credit cards over unsecured credit cards for bad credit. The secured cards tend to have lower interest rates and will ultimately cost less than an unsecured credit card if you don`t plan to pay off the balance each month. Also, if you have bad credit, an unsecured credit card may be more difficult to qualify for. However, if you prefer unsecured credit cards, consider First PREMIER® credit cards. Some of the products issued by First PREMIER® Bank are unsecured, fee-based products.
A secured credit card can also help you raise your credit score. Most banks that issue these cards will report your payments to the major consumer reporting agencies. Not all banks will do this though so you should read the terms and conditions before applying, if that is your goal. Regardless of your credit score, if you have a few hundred dollars in your bank account you can start rebuilding your credit today. Find a card to establish your credit in secured credit cards.
For some people, using credit irresponsibly can lead to bankruptcy. It is often necessary to get a new credit card afterwards in order to improve your credit score. Here you will find offers for credit cards even if you have filed for a Chapter 7, 11, or 13 bankruptcies. There are some banks that will give you the opportunity to obtain a credit card after bankruptcy in order to rebuild your credit. For example, Capital One offers both secured and unsecured credit card applications for bad credit scores. In the case of bankruptcy, applying for a secured credit card may be your best option.
If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.
The latest questions of Immediate Credit Card Care Service
I am a full time student with bad credit and no one will even give me a credit card yet my score is 590. Can you help or send me to the correct place? Thank you.
You can consider applying for a student credit card or for a general credit card like the Credit One Bank® Credit Card with Gas Rewards. The card can be a good option for people with bad credit. It has a rewards program where you will be able to earn 1% back on gas purchases. The card has an annual fee of $35 or $75, depending on your creditworthiness. Your credit activity will be reported to ...
How much money do I have to have to start out with? How does it work? Can I still use the money I put on the card and make payments to show I can make payment on time so I can build my credit?
If you’ve decided to build your own credit history with the help of a credit card and have never had it before, here’s some general information. You should be at least 18 years old, be a U.S. resident, and have your own income. Some credit issuers also require an active checking account or a debit card. When applying for a credit card you should pay your attention to the fees and APRs ...
One of the largest factors in determining your eligibility for a credit card is your credit report and credit score. Banks and credit card companies use your score to determine how much of a risk it would be to lend money to you. Your score tells them how likely you are to pay back your debt. It is important to have a good or excellent credit score. FICO credit score ranges from 350 to 850. The higher your score is, the higher your credit limit will be and the lower your interest rate will be. What is a bad score? Anything less than 640 is considered a bad score.
Each individual actually has three different credit scores for the FICO model because each of he major consumer reporting agencies, Equifax, Experian, and TransUnion has its own database. Data about individual consumers varies between credit bureaus. There are many different websites out there that will show you your credit scores for free. You should find out what your score is so you know which credit cards you can apply for.
There are many factors that go into calculating your credit score. Here is how the widely-used FICO credit scoring model is calculated:
-35% is based on your payment history. Late payments on bills will cause your score to drop and on-time payments will improve your score.
-30% comes from your credit utilization ratio. This ratio compares your current revolving credit card debt to the amount of credit you have available. The less credit you use, the higher your score will be.
-15% is scored on the length of your credit history. As your active credit cards get older, your credit score improves.
-10% involves the types of credit you have used. A credit card is only one type of credit-revolving debt. Having experience with installment loans, consumer finance, and mortgages will improve your score.
-10% is based on recent requests for credit. Opening or applying for several new credit cards at once can hurt your score.
If you want to know how to improve your credit score, you should follow these basic rules. Most importantly pay all of your credit card bills on time. If your bank has an auto-payment program, you may want to start using it. Making regular on-time payments is the best way to raise your score.
You should pay off outstanding balances in full each month rather than making only the minimum payment. This is because part of your score is based on your credit-to-debt ratio so you don't want to utilize more than 30 percent of your available credit. The more credit you have and the less you use, the higher your score will be.
Don`t close old credit cards. Keep your oldest accounts open and active, even if you are only spending a dollar a month with them. Closing your accounts will hurt your score as it will reduce your available credit and remove some of your good credit history from your report. You should also monitor your credit card bills monthly and your and credit report regularly to watch for fraudulent charges or mistakes.