Credit Cards For Bad Credit

First Access Visa® Solid Black Credit Card Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won’t

Fit Mastercard® Credit Card All credit types welcome to apply! Monthly reporting to the three major credit bureaus Initial Credit Limit of $400.00!* (subject to available credit)

Horizon Gold Must have Active Debit Card or Credit Card to qualify. Instant $500 Credit Line. No Credit Check.

First Access American Pride Visa® Credit Card Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won’t

Many things in our life hinge upon having good credit. But the problem is that having good and excellent credit requires much work to be done. First you need to prove to lenders that you are a worthy financial risk. Start with a bad credit card. Make on time minimum payments and keep account balances low relative to the credit limit to show how creditworthy you are.

Bad credit is generally associated with something negative, but in fact it can be just another stage in your credit life. Unfortunately, there are not so many issuers offering financial products and services for people with bad credit. But still, they do exist and, thanks to these companies and banks, millions of people have managed to break away their bad credit history by making on time minimum payments and keeping account balances low relative to the credit limit with all creditors.

Most of those who have less than perfect credit history want to fix their scores, but only few of them realize how important their credit performance is. Bad credit cards are designed to help you build a pisitive credit history. They may apply pretty high interest rates compared with regular cards, but they report to major consumer reporting agencies monthly and that's what counts most!

Credit Card Name	Ongoing APR (for purchases)	Annual Fee	Application Processing Fee	Instant Response	Apply / Details
Surge Mastercard®	25.90% – 29.99%	$99	See Terms*	Yes	All credit types welcome to apply! Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements) Monthly reporting to the three major credit bureaus See if you’re Pre-Qualified without impacting your credit score Fast and easy application process; results in seconds Free online account access 24/7 Checking Account Required see details
Milestone® Mastercard® - Unsecured For Less Than Perfect Credit	24.9%	$35 - $99*	See Terms*	No	Easy pre-qualification process which does not affect your credit score Less than perfect credit is okay 24/7 access to your account information, even on mobile Protection from fraud, if your card happens to be lost or stolen Account history is reported to the three major credit bureaus in the U.S. see details
Indigo® Mastercard® for Less than Perfect Credit	24.9%	$0 - $99	See terms	No	Pre-qualify for a card today and it will not impact your credit score Less than perfect credit is okay Mobile account access at any time Fraud protection for stolen or lost cards Account history is reported to the three major credit bureaus in the U.S. see details

What is a bad credit score? Any FICO score that falls between 350 and 639** is considered a bad credit score. If your score is low, banks consider you a high risk and have reason to doubt your ability to meet your financial obligations. There are credit cards for people with bad credit, but the interest rates are higher than ones offered to people with a better credit history.

Credit cards for people with low credit scores come in three types: secured, regular, and prepaid. Secured credit cards tend to be easier to qualify for. The bank will ask you to place a deposit which will act as collateral. Your spending limit will generally be based on the amount of your deposit. Secured credit cards can also help you raise your credit score. Most banks will report your payments history to the consumer reporting agencies, which may help you level up your credit rating. Not all banks report to the agencies though, so you should read the terms and conditions before making any agreements.

You will also be able to find unsecured credit cards for bad credit some of which may be fee-based. For example, some of the products issued by First PREMIER® Bank are unsecured, fee-based products. However, you may be better off with a secured credit card as they will most likely have lower interest rates and could wind up saving you money in the long run if you plan to carry a balance. The third option is a prepaid credit card. But the issuers of these cards do not report your activity to the consumer reporting agencies since they are not extending you a line of credit. So if your goal is to get a better credit score, then choose a secured or regular credit card which will help you rebuild your credit if you make your payments on time and stay below credit limits with all creditors.

If you use your credit card responsibly, you will be able to raise your score and will be able to qualify for better credit card offers in the future. Your interest rate and credit limit are dependent on your credit score. As your credit score increases, your credit limit goes up and your interest rate goes down. Here you can find the credit card applications for people with bad credit. If you wish to get a chance to change your credit score, one of the first steps you must take is to obtain a new line of credit and use it wisely.

Limited Credit History