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I have a bad credit but I really need 2500 credit card to fix my car. What card can I get if there is any? I tried to apply for payday loans but I get only $300 then I would need to apply for few loans.

[Thursday, October 4th, 2012]

I understand your needs but to get a credit card with such credit limit while having bad credit won’t be an easy task. As you probably noticed credit card issuers are very cautious when it comes to lending money to consumers with bad credit. The issuers usually offer prepaid debit cards or secured credit cards; and it will be hard enough to find an unsecured credit card.
Besides, cards for people with bad credit have quite high interest rates and fees. As for credit limit it usually starts somewhere from $300. Of course you are able to increase your initial credit limit but it will take some time and require accurate credit managing.
If you want money fast, credit card is not the right source in your situation. Even if you will be given high enough credit limit, it will be better for your credit if you use only 30% of it. If you use more and don’t pay it on time, you may end up ruining your credit score even more.
However you may apply for a secured credit card and work on your credit score. Secured credit cards are ideal for those who are trying to improve their credit history, and good credit history gives more opportunities. So, if you have time and desire to build a good credit history, you can freely apply for a secured credit card.

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AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. AcclaimVisa.com does not offer, review or present all available credit offers.

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