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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.

We want to buy Christmas for our children, but I don’t know how. We’ve never had a credit card and declared a bankruptcy once, which is no longer. All we need is a chance to buy Christmas for our children and a chance to show that our credit isn’t as bad as it looks.

[Monday, December 31st, 2012]

You can apply for a credit card even if you had never had a credit card before. But it would be better if you clear your credit report first. Inaccurate report may become a reason for credit card denial.
You write that you declared a bankruptcy once due to medical bills. Taking this into account you may only qualify for a secured credit card. This type of credit cards requires collateral. When you are approved for this card you will have to deposit a certain amount of money. The minimum sum varies from issuer to issuer but usually it is around $200. In general secured credit cards act in the same way as unsecured credit cards. So, you will be able to pay and make purchases using this card. You will also be able to improve your credit history, as the cards send your credit performance to major credit bureaus. But note, you will improve your credit if you make on time payments and stay within limits.

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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.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. AcclaimVisa.com can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The acclaimvisa.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. acclaimvisa.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the acclaimvisa.com website are property of their respective owners.