It is advised to shop around for a credit by your actual credit score. So, it is better to wait until everything with your credit report is settled in order not to get a deal worse than you deserve. You can acquaint yourself with the freshest credit card offers from the top U.S. banks and credit card companies on our website and choose among them. Apply online only for a credit card you stand a decent chance to qualify for.
As for the sub-prime credit cards, these are credit cards that target people with credit not so good, say bad credit credit cards. Sub-prime credit cards typically come with higher interest rates, lower credit limits, annual fees, no rewards, no grace period on purchases, and more. As your credit situation improves and you show a positive payment history, the terms and conditions of your sub-prime credit card can become more favorable. For instance, you can call your credit card issuer and ask them to raise your credit limit, to lower your interest rate, to waive your annual fee.
