A Bad Credit Score Credit Card Offers

Having poor credit history doesn’t cancel out your credit card possibilities. In reality, just the opposite is valid. These days, plastic card lenders matter plastic-type for every require on the planet. For example credit cards designed specifically for those with low credit score. By taking advantage of low credit score bank card delivers, you will get back on the fiscal toes very quickly. Keep reading to learn more about poor credit bank card delivers.

Pre paid Atm Cards

If you have difficulty getting authorized for the classic plastic card, a pay as you go money minute card is a smart alternative. Using this option, you firstly downpayment income in your accounts. You can then make use of your card to generate acquisitions. To help you keep on track, your personal line of credit is restricted to the sum you have deposited. By putting money in your consideration and making buying, you may rebuild your credit history. For just two great pre-paid alternatives, look into the All-Access Visa Prepaid Credit Card and also the ” cable ” Plastic material Prepaid Charge Minute card.

Guaranteed Cards

Another option for those with poor credit is really a collateralized credit card. Such a greeting card needs you to available a family savings. The bank account can serve as to safeguard the personal credit line. The loan accessible to you is really a area of your deposit. This typically runs from fifty to one hundred pct. If you pay back the account balance consistently, with time your personal credit line increase. A attached credit card generally includes once a year payment and high monthly interest.

Very first Most recognized and Orchard

Perhaps you prefer to sometimes possess a stability on your card. If this is the situation, there are various bad credit plastic card offers available. Initial Leading Lender issues charge cards designed for those that have a bad credit score. Initial Most recognized Bank credit cards offer you low interest and the opportunity raise your credit score. You will be approved instantly for one of these playing cards. Look into the First Top Financial institution Platinum Master card/Visa to obtain began.

Orchard Standard bank also is developed for those with a a low credit score history. The Orchard Standard bank American platinum eagle Master card offers a low interest rate on buying. What’s more, it on a regular basis reviews to credit agencies. This provides you a chance to use your credit card, repay balances, and have creditors pay attention.

Both First Premier and Orchard Bank cards contain many costs. 1st Most recognized Bank fees first costs of Dollar29 and $95, and a month to month involvement fee and yearly price. Orchard Lender needs a large annual charge.

These bills might seem high. Nevertheless, you will need to the reason is that information mill providing credit cards to the people with poor credit. Most a bad credit score charge card offers consist of late charges due to dangers concerned. But prepaid credit cards are made to help you boost your credit score. After you display you could deal with these cards prudently, you’ll be able to submit an application for other offers.

Don’t let a bad credit score get you down. There are numerous bad credit credit card offers offered. Find the alternative that’s good for you after which utilize on the internet. With meticulous planning, it is possible to raise your credit score. Shortly you will end up in great rankings yet again with lenders. This will available a lot more fiscal gates within your upcoming.


  • Dusty says:

    Unfortunately, I dont have any credit cards (I get turned down) and my only bad credit is my student loan, which is now being garnished from my paycheck. I would like to get a credit card eventually.

  • Toney says:

    I am trying to get a credit card for emergency purposes and also to build my credit. I applied for one through my bank, but was denied because I do not have enough credit established. I have had bills in my name for the last six months. Is there anything I can do that will help me build my credit faster, or help me get approved?

  • Kristie says:

    My credit score is probably around 400. The reasons are credit cards and a school loan of 38,000 that I have not been paying. I really want to start fixing this. I can’t even get an old navy card with my credit score. I really need some help here.

  • Marleen says:

    This stupid catch-22 sitaution for credit cards. I need a credit card to build my credit history, but companies won’t offer me a credit card because I don’t have credit history. Will having a savings and checking account and a job increase my chances of getting a credit card? If I get my credit card through my bank, will my chances increase?

  • Candida says:

    I have a credit card with high credit limit which I do not use at all (so no balance). The credit card does not report to the credit unions so is it good or bad for my credit/fico score?

    I want to apply for a difference credit card that offer good signup travel rewards so would like to know if having this high limit credit card help or hurt my chances of getting this new card. Thanks.


  • Ernest says:

    I did my research and I realized that i have a good credit report standing.

    I only have 2 accounts that I am currently using.
    Out of those two, for one I do have a balance but I always pay my bills on time except for two times when i was late because, the credit card company gave me the wrong due dates
    They did remove the late fees however.
    But 7 open in total.
    5 unused
    Two of them are sallie mae for school
    and the other
    1 for victorias secret- never used it. If I do use it I pay it once the bill comes
    and the other two i dont plan on using.

    Does that mean I have a bad credit score?

  • Bert says:

    I have just applied for a Wells Fargo Credit Card–I also have a checking account with them as well. Anyways, i was approved for a secured credit card of 800 dollars and denied a personal line of credit? I have to send them 300 dollars for collateral to get my card. Can someone explain this to me more thoroughly. Thank you.

  • Ahmad says:

    If someone has a credit score of 750 and gets sent to collections what will their credit score look like? I want a numerical answer and not one of those “it stays on there 7 years” responses. I know that once you pay it off you can dispute it, how do you go about doing that?

  • Holli says:

    i just want to build my credit score. i dont want a big credit card, just a small one to start building my credit.

  • Tristan says:

    I requested a new credit card with a lower interest rate than my two cards now with the intentions of paying off the two cards with my new card. The new card credit limit is not enough to pay off the other two, however, so I don’t want it anymore. I requested it online, was “approved,” and just received it in the mail today. What will happen if I just throw it away without activating it?

  • Enrique says:

    Being fairly new to credit I know most of the basics. When I comes to credit score though I keep hearing different stories. What really goes into finding your credit score and does it go down ask to know what it is?

  • Wayne says:

    I currently have bad credit–a credit score of 515 to be exact. I unfortunately have some charge offs from when i was laid off from my job and was unable to keep up with credit card payments. Now, I have a job with a good income. Do you think I will be able to find a nice apartment if I put down a larger security deposit or offer to pay a few month’s rent in advance?

  • Miquel says:

    Hello everyone,

    I wish to know how fast it would take for my credit score to go up after i’ve paid off all my debt. I plan to get a loan this week and will pay off each card in full. Does the process of getting my credit up take hours, days, weeks, months even? Any information would help, thanks!

  • Delora says:

    I have a credit card I use regularly with a pretty low limit (1500) that is almost maxed out. I have another with a higher limit (4000) and a higher APR that I rarely use. They higher card is offering a balance transfer with 0% if paid off by February (with a 3% fee on the transfer). Is it worth it to clear some space on my every day card and save on the interest. I typically pay 200-300 per month towards the balance anyways.

  • Jazmine says:

    ok im planning to use my credit card gift card on a rhapsody subscription online. how would i be billed if I use a credit card gift card like an Amex gift card? would a bill be sent to my home(that wouldnt make sense cuz im paying with a prepaid card)?
    i mean when i use it online? will something be mailed?
    how will the online retailer know its a credit GIFT CARD?

  • Gerry says:

    I just applied and was approved a credit card, I am about to apply another one, how long should I wait?

  • Norine says:

    So my credit score is something like 562. I am looking to get a credit card with something like 2000 dollar limit or lower that wont have unbelievable fees. Does something like this exist? I’ve applied for credit cards over the last year and have been denied each time. Yeah, my credit sucks. What can I do?

  • Garnett says:

    My credit is not all that good. Ive paid off some collections and my credit score has gone up by around 30 to 40 points. I still have 2 debts that Im trying to pay off. I would like an airline credit card but I dont know if any airlines have cards that they offer to people with bad credit. Any info would be great. Thank You

  • Brigida says:

    Hello everyone,

    I just applies to work with O2, i like the brand and i have passed all the interviews, i even got offered the position on the spot. I am highly qualified for the role and the manager seem to like me.

    The problem is they just asked me my bank statement and National Insurance card, since i have never been involved in crime i have nothing to worry about the National insurance check, but since i have really bad Credit score with my bank i am worried that they will reject me. Can they do that? If yes, can you convince them not to.

    Thanks for your time.

  • Waldo says:

    I have very bad credit score so I cnt get any loans, credit cards etc.

  • Barney says:


    I have several credit cards that have gone bad. I find debt consolidation isnt the best way to go. What can I do with collections in order to reduce the total amount I owe?

    How can I get each creditor to reduce the debt AS MUCH AS POSSIBLE before I start paying?


  • Jude says:

    I’m trying to work at paying off my debt and get my credit score up. I have close to $7000 in credit card debt (I have 7 credit cards). Some of the credit cards have high APRs between 16% and 24%. I’ve been paying all my monthly payments on time and have been paying more than the minimum payment. Do you think going to a debt consolidator would be better or even helpful? If so, what are good companies to go to?
    I don’t have a home. I’m 21 yrs old and got a little credit crazy when I got my first credit card out of high school. I would eventually like to buy a home but I’m working on getting rid of the debt first.

  • Susanne says:

    I’ve heard that credit card companies only do checks at certain hours of the day. Is this the case? I’ve known people to apply for cards late at night only to be told there has been an error with their application. Any ideas?

  • Kit says:

    My friend has bad credit. He bought some products on his credit card a few years ago and he hasn’t paid it back. Right now he has a joint account with his wife. He wants to open his own separate account. Is there any way he can open an account and pay his debt back in installments? Who should he contact to negotiate the installment amounts?

  • Dwight says:

    The best way to start building my credit score is ask a credit card at my bank?

  • Darnell says:

    I attempted to settle my own credit card debt, but all credit cards refuse to settle. They would rather wait until I’m 90 days late, charge it off or sell it to an agency and have me settle with them.
    Any clues on how I can buy my own debt at 12 cents on the dollar like the credit collection agencies do?

  • Winona says:

    I really need a company that will tell me how to improve my credit score on MY specific credit report, not general tips.

  • Cherise says:

    How low can someone’s credit score be to receive credit card offers through the mail?

  • Chad says:

    And what are some credit cards for people with no credit? What sites are fraud and which are not? I really need to know. I’m looking to build credit. I’m 19 and I’ve never had any kind of credit card. Could I have credit without doing that?

    Much help appreciated!!
    No, I’m not in college at the moment.

  • Nelson says:

    I have been getting a lot of offers from credit card companies to transfer balances to their card for 12 months with 0 percent interest I would be paying off a 1200. credit balance this way. I would not add any additional purchases. Does this have a bad affect on your credit score. I also pay at least 100 . a month on my balance.

  • Dino says:

    I have 3 credit cards and I just want to consolidate them in one card. I received an offer from one of my credit card issuer that they can consolidate my card bills and will not accrue interest in 6 months. My dilemma is that I am worried that it will affect adversely my credit score. How bad do you think it will affect my score? Please I need a comprehensive guidance before I will do it. Thanks.

  • Celeste says:

    I was offered a student card from citibank, around 4 years back. I was careless, the card maxed out. I ran out of money to pay off the accumulated debit and thus, defaulted. It was a small credit limit of 12k rupees ($300 I suppose). I never paid nor applied for any more cards later.
    I don’t want a bad credit-score, and will need one or two credit cards someday: atleast for online transactions.
    So, what do i do? paying the bank now, will it help?

  • Jeremiah says:

    After few months or years I am attracted to other credit card offers, meanwhile i don’t want to have many open unused credit cards. Somewhere I heard having many open accounts hurt the credit score etc.

  • Scott says:

    My account was closed by the bank due to number of credit cards I have and high balance. I will be able to close all in 6 months. Can other banks close my credit card accounts as well? What is the best way to handle it?
    Thanks for the answers but my problem is:

    I have one card which was closed by the bank and limit on one other were reduced. I am afraid that this will create a “domino effect” and all other banks will start to close my accounts. How possible is this? Another question is: how bad will the effect of a closed account by the creditor will be on my credit history?

    Thanks guys for your answers

  • Isaac says:

    I’m a college student, and I would like to apply for a credit card. I’ve heard of ridiculous interest rates and fees, and I don’t want either. I also only have student loans that reflect on my credit, but I’m not saying I have bad credit. What would be a good credit card for me?

  • Russel says:

    Within the past couple of months, I’ve been receiving several letters per week from credit card companies enticing me to apply. I have bad credit, got rid of all my credit cards eight years ago, and am still paying off old debt. Could these letters have something to do with the fact I bought a new car last fall? Should I apply for a card to build my credit back up? How would I know what company to go with?

  • Kristeen says:

    I have credit card and i would like to purchase products online, but i am fear of credit card frauds and hacking the same. So what can i do to purchase items more securely with my credit card ?

  • Nettie says:

    What is a good credit card I can get where I don’t have to pay a monthly fee? Does Capitol One have one? If so, which one is it? I don’t want a store one like JC Penny’s or something like that!

  • Michal says:

    I am looking for a new credit card and I don’t know where to start. I never carry a balance, so the interest rates don’t matter to me. I would like the card with the best perks. Also, I don’t want a “no preset limit card” since I hear they are bad for your credit score. Any advice?

  • Austin says:

    I’ve had a bad 6 months where most of my cards payments were late, very late. One has gone to debt collectors but two remain open, just in bad shape. Anyways Im paying them off now finally, and was wondering if i should keep them open? This is for the sake of my credit score.

    So I guess question two is.. if I close my account, will it be as if it never happened? I think I;ve heard that before but unsure. Thanks!

  • Rolland says:

    I’m looking at getting my first credit card. I’m 20 years old and I have a credit card that is linked to my parents, so I have near perfect credit. I’m trying to start building my own credit and I want to know what is the best card for a young person trying to build their own credit.

  • Evelyne says:

    im trying to boost my credit score up to an 800 or as high as i can get it, and i know credit cards are the way…but whats a good company to go with, or who has the best offers for bad credit.

  • Cyndi says:

    I receive more credit card mail a month after my credit score drops than when it is high. It’s been low for a while and I have received dozens more mail than I have ever before. When it goes up I will see if it slows down and report back.

  • Chester says:

    I have A LOW credit score. I am in the process of paying off debts to try to repair my credit. There are numerous credit card offers that claim guaranteed approval for a fee. Iwould like to use any tactic available to help buildmy credit. I am however affraid to fall victim to the “SCAM”. Does any one have a possitive experince or advice on the options or other techniques for rebuilding credit.

  • Rodolfo says:

    I am trying to pick my credit score back up off the floor and have heard that you can do this by applying for credit cards and making the payments on them. Nice! Except, I went through a divorce and my credit is now lowsy. I pay all my bills on time and have a decent job, yet credit card companies don’t give me the time of day. Does anyone know of a company that will work with a credit slacker like me?

  • Cecila says:

    I had a bad divorce & ran up credit cards. I need to know how to get them payed & clean up my credit> It was stupid but I did it & now I need to fix things.

  • Alonzo says:

    I recently received a preapproved credit card offer in the mail. I applied for it online. When I went back to check the status of my application I noticed on my auto complete that the last digit of my social security number was wrong. I was approved. I called the credit card company about this and they reran the application. A week later I received a denial letter stating the reason was because I had already applied for the card. One day later I recieved the card in the mail. Again I called the credit card company and they said it was no big deal and just updated my account. What I don’t understand is how I got this card under another number? I had applied for this card awhile back and was denied. I’m wondering if they had my information in the system and that is why I was approved? I don’t know. Maybe somebody can help me with an answer.

  • Shirley says:

    About how long does it take to go from a shaky credit score to a good credit score? I have about five credit cards, should I pay them all off and wait? How long must one wait until their credit score is back in the “good” side?

  • Cristobal says:

    I just applied for my very first credit card. I got denied :(.
    The reasons were:
    Credit report shows total available credit on accounts too low.
    Insufficient amount of credit information is reported on credit bureau report.
    What does all that mean?
    Also what do I do now?
    Getting a secured card does not sound appealing :(.
    I do not know if this helps, but I am almost 24 and I am employed with a steady cash flow.

  • Jamie says:

    I have no credit what so ever. I’ve tried to apply for credit cards, but been rejected from all. So how am I supposed to build a good credit score if I can’t have a credit card? What can I do, how can I get a credit card? Or anything that will help me build credit?

  • Emma says:

    I am aware that I probably do not have the best credit. Everyday I am making small steps towards improving my credit. Any who, I am constantly receiving pre-approved credit cards. The cards usually come from: (and especially from) CapitalOne, Mastercard, and sometimes local banks (not too sure if they’re Unions or even if that matters). My basic question is: are they sending offers based from my credit score? Or are they random? Does it mean I have good/bad credit? So any information will be greatly appreciated.

  • Tawna says:

    I had a credit score of 620. I used this score to obtain a loan to purchase a motorcycle. Based on my research, obtaining such a loan would improve my credit score after a few months of timely payments. My goal was to purchase a home once the motorcycle is paid off. Shortly after purchasing the motorcycle, several student loans were applied to my credit. I was under the impression that the student loans did not post until after I was finished with college, but that was my mistake.

    My credit score is now down to 577. I keep waiting for the motorcycle loan, which I pay religiously, to improve my score. It has been six months; how long must I wait?

  • Kylie says:

    I need help to improve my credit score which is 586.
    In fact I have no experience of using my credit card, I use the debit card instead of it for buying my needs and for shopping.
    What is the fast way to improve it? I am employed and planing to buy a house in the next year.
    Anybody please tell me how to use the credit card in good way as I am new to this. In other words when I can use my credit card and how?
    Thanks in advance.

  • Issac says:

    I seriously need to get a credit card before christmas. I have never had a credit card before and everytime I apply for one I get rejected because I don’t have “a sufficient number of credit references”. How is anyone supposed to get a first card??? And I have no one to co-sign for me so that’s not an option. Please help!

  • Lemuel says:

    My credit is looking really bad, and im ignorant when it comes to credit, and credit card lingo. i was wondering if there was a card to get that is better than others, with my bad credit. and if there any other good ways to help to repair my credit?

  • Kareen says:

    I have a cosigner that has excellent credit that will cosign for me to get a credit card to build my score plus to have for emergencies. My score is a 585. I pay my bills on time and don’t spend alot of money on dumb things. I just don’t have anything but a car loan giving me credit and a couple of old accounts that need taken care of.

  • Kit says:

    Does anyone who of another credit company that would offer a credit card to people who has bad credit or even a BK? I know some company charges ridiculous amount of fees and outrageous interest rate. Some offer a secured card in which you have to open a collectoral type of a account that attach to the card. Any ideas to help people who had trouble credit before to rebuild?
    I agree with those who recommended Orchard Bank’s cc. It seems they have the least amount of “Junk” fees they charge the customers. If there’s any more choice you’d recommend…please keep it coming! Thanks!

  • Tamatha says:

    I just received my first credit card, and I am a little confused by the whole process. Little help please…

  • Nakita says:

    I have a credit card debt. I have been offered a settlement of 60%.
    The letter says that once paid, they will consider the account settled in full. What will that look like on my credit report and how will it affect it negatively?

  • Danilo says:

    I’ve never had a credit card before what are some tips in getting accepted?
    Forgot to mention that my main reason is for building credit.

  • Gene says:

    I have bad credit, but I managed to purchase a new car with a high interest rate. My auto loan is through Capital One. The credit card offer is from Capital One because I’ve made timely payment to them on the loan for 1 year. Would accepting the card help raise my FICO score or hinder it? I thought that applying for new credit cards lower the score.

  • Sheron says:

    I think both of them can give credit cards or is it the bank only who issues them.If it is given by bank why we have different credit card companies,do a single bank issue credit cards of different companies.
    Or do a single credit card company offers services at different banks.Where can i get basic things about credit cards and things to know before getting myself one.

  • Gennie says:

    There were small medical bills that slipped through the cracks from a surgery I had, which collectively amounted to 500$. Upon running my credit score to obtain a line of credit, I found it and paid them in full with cash immediately (this was the 19th of last month.) My score is currently at 664, how much can I expect it to raise after paying this off? I am 25 years old with only 2 years of credit history..

  • Kermit says:

    I just got mail from Discover and they offered me a credit card service. Would they do that to someone with bad credit?

  • Jimmy says:

    I’ve had my first credit card for about 3-4 years now. Originally it was a secured card with me putting money down to obtain it. After a long while it became unsecured and my money was refunded giving me my first “real” credit card.

    Well, now, after always being on time for all of my payments since I’ve been an adult, I’ve obtained a decent credit score. Since then I’ve added two more credit cards, responsibly, to my first one. These other two credit cards offer better reward programs and higher credit limits.

    So, to get to my question, can I negotiate a better loyalty program for my first card which offers a measly 1% flat on everything? I’m already planning on negotiating a higher credit limit to help with my debt ratio as my first card has a rather low limit, but I’d also like to make the card worth using again.

    Thanks in advance for your help!

  • Loren says:

    This is gonna be my first credit card and i am applying to all of them online. Is that bad. I mean or you only supposed to apply to one and then wait or can you apply to all of them and see who accepts first?

  • Lupe says:

    I have bad credit (560) because I messed up when I was in college and opened all kinds of store credit cards (idiot!). Now I am financially stable and responsible with a full time job, and I have since paid off all credit card debt. What credit card would best work for me? When I Google this it suggests prepaid debit cards which I don’t want.

  • Lauralee says:

    I never had a credit card before, and I want to build some credit for myself. I currently have a Visa Bank Of America Check Card, but that’s it. I need some advise on a good start. I am also in need of advise on what a good APR is to look for, and who’s got it. I will take any good solutions. Thanks.

  • Drema says:

    Not sure what my credit score is and i would like to get a credit card. i had one when i was in college years, but not anymore. how do i go about getting one now?
    @ CIndy: It is to establish credit. Just want something to maybe buy a few groceries or gas on so I can pay it off like you said.

  • Bess says:

    Your credit score is your credit score. There is very little you can do about it or with it. It is like your age or I.Q. How will knowing what it is help you?

  • Cyrus says:

    I have 680 credit score and I also would pay at least 20% down payment for $150,000 worth of loan if it is approved. I have also one year history of car loan which was paid in time. Please suggest me,would l be eligible to get home loan with low interest rate? Or I have to pay more down payment? Or wait 4-5 months and more so my credit score will be atleast 720 and more ?

  • Hilde says:

    I want to get a credit card so that I can start building good credit. What are the best kind of cards to get, I don’t want to get anything to complicated. I, of course, want to understand what is going on.
    I graduated from college, have a good job, have a good bit of money in my savings. I’m planning on buying a car soon and was told I need to have some kind of credit to do so.

  • Gavin says:

    I have good credit and im in the market for a business credit card. What company offers the best rates, offers, cash back programs ect? Please give me some ideas on programs i should look into from the major cards like, AE, Discover, MC, and Visa.

  • Daphine says:

    I just want a credit card to help buld my credit. But im not to sure where to start or what direction to go in. Im new at this and kinda lost.

  • Chana says:

    Last year I did my annual free credit score, which takes your score from all 3 bureaus.. and did one of those free 30 day trials to get my credit score like 6 months ago and it was 517. I havent made any payments to my only negative account, but now my score is like 624 on a free experian one i did today. how different are the two scores?

  • Gale says:

    my credit score is low way low and it is due to credit cards… im trying to get a loan, but no one will lend due to my score, how can i raise it up?

  • Maryetta says:

    What is the difference between a secured credit card and a credit card?
    Is it just the fact that I have to send a check when I want a secured CC?

    Thank you

  • Ruben says:

    I have this Credit card for the last 4 months and i have made all my payments on time.
    I do not have any previous credit records.
    Any kind of information will be Helpful.
    Please Advice.

  • Aleida says:

    The credit card is already registered to the account. Is there any way to transfer money from the card to the account?

  • Edmund says:

    What is the minimum credit score to get approved for a mortgage?

  • Delmar says:

    I am 22 and looking to apply for my very first credit card. I don’t have very good credit since I’ve tried applying for store cards before and they’re always declined. I would like to have a credit card now since I’ve got two jobs and might need a credit card in emergency situations. Thanks for your help!

  • Kris says:

    I recently got a store credit card and plan on paying the balance off in full at the end of each billing period. My question is how long will it take to show in my credit score?

  • Gil says:

    I have a credit card I hardly ever use because of the high interest rate. I do not owe anything on it and I have another card in good standing. If I cancel the high interest card, would that impact my credit rating, positively or negatively?

  • Idell says:

    Will my credit card be under a cost of goods account, expense account, loan or what? The equipment had already been paid in full by the credit card, now we are paying the credit card off. Should I name the credit card as a vendor?

  • Matt says:

    Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I’ve paid on time for over 1 year. I read that one way to raise your score is to ” piggy back” on a relatives good credit ( have them add me to one of their good accounts and not use it) Is this safe, is it legal. I would love to hear constructive ways to increase my credit score. Please don’t judge me. Almost all of my ” bad” credit accounts have been paid off. I put my sons first when the divorce came. They lived in the house that I paid for while I lived in a basement.

  • Jefferey says:

    I want to get a credit card but I have no way of getting on with out any credit. How is it possible to get a card. I need to build my credit to get loans for school.

  • Danilo says:

    i want to know my credit score but do not currently have a credit card, and all the sites require one.

  • Arnulfo says:

    There is a credit card showing on my credit report and I didn’t know about this specific card. I have the name of the card, the card number and balance on this card. I want to know what it was used for. Can someone help me?

  • Leonardo says:

    My credit card is maxed and I can’t get an increase with my credit card company. Is there any moving company I can use that don’t require a credit card for security? Thanks.
    I don’t mind giving my credit card number but they can’t put any charges on it and my credit card company won’t increase my credit.

  • Dorene says:

    I just want a simple credit card where I can build my credit up? What is the best one?

  • Sunday says:

    I understand that credit score isn’t necessarily based on income but here’s my situation. I have about 16,000 in revolving debt with a 600 credit score. My yearly income has recently increased 10 fold which obviously improves my debt to income ratio. How long after this increase should I see improvements in my credit score and by how much. Also what triggers the credit bureaus that this increase in income has occurred?

  • Shon says:

    For a conventional mortgage, what should your credit score be? How low can it go for an aproval on a conventional mortgage?

  • Idell says:

    What happens to my credit score when I apply for a few credit cards and are not approved because they require excellent credit? Does it affect my ability to get approval on another credit card? How long is this for?

  • Louise says:

    My credit score was near perfect before this and I was reported just once for a small amount of $13. I am desperate and I have no clue what this will mean to me. Please provide some resources if possible!

  • Kareem says:

    Ok well first off, I’m 21 years old and won a poker tournament in Vegas a few months ago for $900,000. I quickly bought a house for $250,000 and paid cash and bought a nice lexus and put the rest of the money in the bank. I already have a good job. My credit score has never been good. It’s 542. Now what I am trying to figure out is why are companies now all of a sudden trying to offer me credit cards with huge credit lines? I’m getting so many offers with credit lines in the thousands with no questions asked and I repeatedly get phone calls from card companies. Lots of them are even offering me very low interest rates. It’s strange because before I had any money, none of these companies would ever send me anything even if I tried apply for one. So my question is, why are they trying to get me to sign me up for a credit card knowing my my score is very low?

  • Odell says:

    Ok well first off, I’m 26 years old and won a poker tournament in Vegas a few months ago for $900,000. I quickly bought a house for $250,000 and paid cash and bought a nice lexus and put the rest of the money in the bank. I already have a good job. My credit score has never been good. It’s 562. Now what I am trying to figure out is why are companies now all of a sudden trying to offer me credit cards with huge credit lines? I’m getting so many offers with credit lines in the thousands with no questions asked and I repeatedly get phone calls from card companies. Lotf of them are even offering me very low interest rates. It’s strange because before I had any money, none of these companies would ever send me anything even if I tried apply for one. So my question is, why are they trying to get me to sign me up for a credit card knowing my my score is very low?

  • Rufus says:

    I currently have a TransUnion score of 570 and Experian score of 569 with no credit cards, 17 accounts in good standing (installment loans), and 5 derogatory accounts. I’m working on improving my credit and have learned that credit utilization (credit card balance/CC limit) accounts for about 30% of the FICO score.

    My questions are:

    1. How is credit utilization factored into the score if there are no credit cards?

    For example, since it counts for 30% of FICO does that mean the highest achievable FICO score is 70% of 850 (highest possible score) if no credit utilization or do the other factors have more weight if no credit utilization? Traditionally, the score is weighted: 35% payment history, 30% credit utilization, 10% credit inquiries, 10% types of credit, and 15% length of credit history.

    2. How much can I expect my credit score to raise in the next couple months if I open a credit card and keep utilization below 20%? Will my score increase 30%?

    3. How much will it raise over the course of a year? Will a see a large jump in the first few months as a result of opening a credit card then the increase will lessen throughout the year?<—for example, jump 50 points in first few months then only raise an additional 10 points throughout the rest of the year.

  • Selina says:

    Can anyone tell me what the best college student credit card is? What’s usually the credit card limit for students? I’m planning to get it just in case I need it when I go to South Korea this summer.

  • Vincenza says:

    I know that there is a government website that allows you to check your credit score for free, but it only let’s you check annually. I just cannot remember the name of it. Does anyone have any idea what I am talking about. Appreciate it, thanks.

  • Elvis says:

    What is the easiest credit card to get these days for someone trying to either build non-existent credit or reestablish credit? Any specific store cards that are easier to get than others?

  • Sal says:

    Or do credit card companies only except payment by debit card, cheque, etc?

  • Tammi says:

    What is the minimum credit score that landlords want to lease an apartment to someone?

  • Gillian says:

    I have made some bad financial decisions in my life and as a result I have horrible credit. I am looking for a credit card company that will issue me a card in order to rebuild my credit. Are there any companies that don’t have an outrageous interest rate that will help me get my credit back on track?

  • Kurt says:

    My credit score is 616 and I make 40000.00 a year. My wife has excellent credit but makes about 25000.00 a year? Am I going to stop us from getting a decent home loan?

  • Lowell says:

    When I apply for loans and tell the creditors what my credit score is they still run my credit. All the reports I read talk about the imporatnce of knowing your credit score and that’s fine. But what’s the importance of knowing my score when the creditors run it anyway? Also, how do we know that the rates that we qualify for are true based on ourcredit score? Is there a chart tat we can put our credit score up against and it tells us what rates we qualify for?

  • Odell says:

    My credit score was 657 2 months ago. How long does it take to increase? I’m paying at least $100 more than the minimum due every month.

  • Nettie says:

    I want to know my credit score but can’t seem to find a site that offers your score with no gimmicks. How much does it cost? I have gotten my credit report but I couldn’t get my score there.

  • Sabrina says:

    I have 5 credit cards with different limits and rates.I’m in the process of paying them all off, however I know you need to have balances on your cards for healthy credit. How many cards should have a balance and how many should be unused?
    @Stephen, if i have no balances, then what’s the point of having credit cards to begin with? How else will I build credit history?

  • Marcellus says:

    I want to apply for a walmart credit card but im not to sure exactly how that stuff works. Lets say i want to purchase a playstation for $400 and i use my credit card, how does the rest work?

  • Travis says:

    I have a few personal credit cards and I want to consolidate them. I also am self-employed, but I dont’ have a business credit card; although I get LOTS of ads for them in the mail. I’ve always wondered, what is the difference? Are there different rules or fees? Can you only use them for business purchases? Do you have to spend a certain amount to keep them?

    Any advice appreciated…

  • Jefferson says:

    Need help writing a paper, i need some topics/points on how credit card companies take advantage of Americans? Or like the effects of having a credit card.
    I have no knowledge about credit cards what so ever.

  • Jermaine says:

    Our credit score is 670. In the 8 years of having a mortgage, we have been late 2 times. We are able to put 20% down on a 100,000 home.

  • Malena says:

    So my credit score took a plunge from about 760 to low 600s after having my credit report run about ten times by the car dealership amongst other things. However, my credit REPORT is flawless. Not one single missed payment in the past 3+ years, and every payment above the minimum. I currently have a car loan and about four credit cards with balances. I would like to get a loan or do some sort of bill consolidation that way instead of making four separate credit card payments every month I can just make one payment. What would be the best way to go about this? Thanks in advance.

  • Byron says:

    Why is your credit score different between Experian, TransUnion, and Equifax? All three credit reports are very similar. How much difference is normal between them? When you apply for credit do they look at all three reports and scores? Do loan companies prefer one agency over the others?

  • Joanne says:

    HELP…I need to find a credit card company that will offer me a credit card even with my bad credit. A few years back I was 30 days late on paying two small bills. Both reported me to the credit agencies and now I have marks on my credit report. I never had anything big in my name…house, car, etc. My house is under my husbands name, and my parents co-signed for my car years ago…my car is now paid off. I have one major credit card in my name, and we pay it each month on time. Why am i having such a hard time getting a credit card company to approve my application. I deserately want another credit card in my name, Please help. Are there any credit card companies out there, that will offer a credit card to someone with little or bad past credit….thanks

  • Rosena says:

    While a student in college I made some bad financial decisions referring to credit card debt. I know what I did was dumb and now with a horrible credit score am attempting to work my way out of debt. I have 12 credit cards all with balances $1200 or less. Which comes up to about a $10,500 debt total. I went ahead and 6 months ago filed with a Credit Counseling Service (Allegro Law) and they did work to reduce my interest rates. My question is the following:
    -Would it be a better idea to cancel my subscription with them and attempt to settle my accounts, I have recently got a better paying job.
    -If so since my credit score is a mess would it be a good idea to let the cards default a few months, all the while saving up a bulk some to offer settlements?
    -Does paying settlements to them negatively affect my credit score more than having late balances all the time?
    -Or would it be better to continue paying with the Credit Counseling Service? It just seems like its going nowhere fast.
    Sorry for all the questions. I just want to get on the road to being debt free again.

  • Marietta says:

    i have a credit card in macy(visa), in best buy(matser), capital one, chase freedom, bloomingdales(store card), saks(store card) and citibank card? they are all maxed out too? i will pay em back but i need help for the future? Can i cancel them or do i report them stolen and get rid of them forver? Even my credit score is 602 bcz of having many cards and not being able to pay on time. What do i do?

  • Rufus says:

    Please i want to apply for a credit crad but am soooooo confused and really want this ff questions kindly answered best for me.1.Which credit crad is the best and less problematic in using?(Visa or Mastercard?) 2.Which is the best to purchase,ie mostly used everywhere or accepted aalmost everywhere in the US? 3.Which is the best to use,Credit cards or Debit ccards? 4.Why do sooooo many people complain about having bad credits,debts,huge bills etc on their credit cards? 4,How do i apply for a credit card,do i need a bank account first,and with what bank? 5.How can i have the best credit card usage history without debts,bad credits etc? 6.Do i pay fees on the credit crad am gonna use monthly? 7.Is it safe buying online with your credit card even if the receipient talks about security of credit cards info?Kindly advise me on the best pleasssssssssse.

  • Scottie says:

    I like to take advantage of the cash back of major cards and coupons that many department stores give. I have about 8 different cards. Total probably around $20k in credit limit. Is it bad to have that much credit? I have no problem at all controlling my spending and have no debt-everything is paid in full every month. Some of the card’s promos have ended and I can cancel a few but does this look bad also?

  • Vernon says:

    I have one credit card and I always pay it on time. The moment I get the bill. I don’t know my Fico score and there is no bad mark on my credit history (though limited).

    Though I am glad but why do you think I don’t get any pre-approved credit card offere whereas my family members get 2 per day?

  • Robbie says:

    1. Can I get a good credit score with just paying off a credit card bill or do I need to pay of loans and car payments I do not have those things tho.

    2.What is it like when you get a credit card with your debit card is it the same as a credit card just in one card?

    3. How much is interest I am thinking a visa credit card what if I only use my credit card to buy maybe 25$ worth of something one month how much is the interest?

    4. How do I get a credit card is there a minimum age? I am 19.

    5. If you get have a bad credit score do you always have one or can you get a good credit score?

  • Evelyne says:

    whats the lowest credit score u can have b4 Capital One offers you a credit card…… what do u think is the lowest??!!

  • Bobby says:

    i have just obtained my credit score and found it was really bad,
    all my payments are on time, but about 2 years ago i opened up abank account with nationwide and i put in a cheque and was allowed to take out money a day after and when i saw that i could i did. but i took out a bit too much over the course of about 6 months i thought great im getting free money here!! (big mistake, i didnt think of the consequenses) and ended up oweing the bank about a grand!
    and now i have a bad credit history is there anyway i can make this better.
    the same is happening again with my hsbc account which im in the process of cancelling and using a cashbuilder type of card. (so i can only take money out of an ATM and not use it in shops or internet)

    so what i want to know is how can i rebuild my credit so its good again?

  • Terresa says:


  • Melina says:

    I have a credit score of 450, and it is mostly credit cards. How can i raise my score so that i can buy a home? Realistic answer please.

  • Marcelino says:

    So I have 3 credit cards: Amex, Chase, and a Visa from BofA. I now only use the Amex and Chase, and no longer use the Visa anymore. It’s been almost 3 months and I have 0 balance for that visa. Is that bad for your credit score? Should I cancel it?

  • Nova says:

    my credit score is in the 500’s I want to rebuild so I was wondering what the best way for me to do that is. Should i get another credit card if so who will give credit to someone with such poor credit?

  • Serita says:

    I really need to fix my credit, and so I found this website that offers credit cards for people with any kind of credit score(supposedly). Well, I was wondering, what do these companies look for? A long established employment history, house ownership, or being at your current address for a long time? Or do you think these companies are running scams? I also read the disclosures for a few of the cards, and it said that they will immediately bill you an “annual fee” and an “activation fee”…and a few other hidden costs…hmmm, doesn’t sound like such a good idea once you read the fine print.
    Should I do this, or find another way to improve my credit? Thanks.

  • Lane says:

    First thanks to the previous posters that have helped me get this far!

    Disputed all bad credit from the past, and sure enough some of them got dropped. I then read several posts that indicated Capital One was one of the easiest cards to apply for, I also applied at Macy’s.

    Capital One denied me, but to my surprise Macy’s did give me a card with a $100 limit. I was very happy that they even gave me a card, which leads me to my question(s):

    A.) Cash is not a problem, Will charge up the card weekly and paying it off weekly help? Or what is the best practice to show Macy’s that I am serious about my credit, so that I can get the limit raised.

    B.) How often do you ask a retailer to up your limit?

    C.)How to determine which mail offers will really give me a card vs just another mass mailing that will hurt the credit score?

    Thanks in advance for the help!
    Talked to Macy’s credit department today, and the rep. stated that credit limits can be reveiwed every 3 months.

    In addition if I charge $100 a month and make a minimum payment of say $5 each month the request to up may limit may result in an addition $100 for a $200 limit. She stated that if you charged $100 weekly and paid it off weekly then the credit limit would be raised substantially higher at the end of the 3 months.

  • Daphine says:

    I’m a recent college graduate, and have been using the same credit card for 3.5 years (Citi Forward). I don’t know what my exact FICO score is, but I’ve never missed a payment, never carried a balance (pay my full bill every month), and usually don’t use more than 30% of my limit at a time.

    I’m thinking about opening a second credit card (AmEx Blue Cash) because it offers good cash rewards on groceries and gas. My current card offers great rewards on restaurants and entertainment – I figure between these two cards, that’s basically everything I spend money on outside of rent. Is it a bad idea to open a second card though for credit score reasons? I just learned that opening a new card is bad for your credit score – is the credit score damage worth the $50-100 in savings that I’ll get from opening the second card?

  • Earleen says:

    Ever since i moved in to my apartment i have been getting tons of credit card offers and i am debating on whether or not i should accept?? I could use the cash advance to get bills paid and groceries and things like that but i am afraid it will end up haunting me??? i have a kohls “credit:” card with a 300 limit and have done well with getting it paid off but i am unsure about capital one, visa, etc…
    thanks so much

  • Michal says:

    For example, I have two credit cards. One has a limit of $1,100 and the other limit is $700. I am paying for school in full, and I wanted to max out both credit cards (only for the Chase point value) and then pay them both off the same day I make the purchase, so it’s not show on my total balance at the end of the month. Will this hurt my credit score? I just want to get 2,500 points (and I’m close) to get a free $25 gift card, and then not use the card ever again.

  • Isaias says:

    I don’t know what my credit score is. I recently got my credit report and saw that I have two different agencies reporting negatively on it. Could I still qualify to get a credit card? I owe $2200.00 to one agency and about $250.00 to another.
    Thanks in advance.
    I forgot to mention that I’m not at all interested in racking up a bigger debt with a credit card. I need one so I can pay my bills online. My internet company only accepts credit card payments not the re-loadable debit cards I usually use.

  • Darrell says:

    I have 3 credit cards with CapitalOne and all of them are 2 years old and 9 months.

    They all charge me $59 annual fee EACH with a crappy credit line of $500. Also my APR interest is 24.9%!

    All of my credit cards have $0 balance as of today.

    I opened all 3 of my credit cards to help rebuilt my credit, but now I no longer need them. Since my credit score went from 545 to 730. I want to get a better credit card offers from Citi, Discover, or Amex with no annual fee.

    On top of that my husband and I are planning to buy a house in 1-2 years from now.

    What should I do? I really don’t want them.

    I do have a Macy’s credit card that is from 2006.

    Capital One refused to combine all 3 of my credit cards into one. So I dont see the point if keep them.

  • Jude says:

    i dont know my score but it isnt good, at all! what can i do to start repairing this? i am already paying off debits, i have 3 of 5 paid off, but that alone work, what else should i do? i was thinking of something like a store credit card but i dont think i would be approved for anything like that.

  • Sharolyn says:

    Hi I’m thinking of applying for a Chase Freedom card I was pre-approved via mail offer. When reading the fine print I see that “[I will] first be considered for a Visa Signature Card. If you do not quality for that product, you will automatically be considered for a Visa Platinum card.” I understand that different between Visa Platinum and Signature is mainly the issue of how credit limit is defined. In the Visa Signature Card credit limit is more ambiguous and less straightforward than having a good old fashion credit limit of predetermine numerical value.

    My main issue is how activity will be reported to the credit companies. From what I gather online (yes I did a little research) Visa Signature Cards don’t report a credit limit and thus mess with your FICO score. Whereas Visa Platinum Cards always reports your credit limit giving a clearer picture of your entire credit limit.

    So here’s the question why do people get Visa Signature Cards if they don’t fully report your credit limit to the credit companies? And how are FICO scores determined with there’s no known credit limit.

    Please use recent sources. I promise I will visit any sites provided.


  • Shelba says:

    I have paid some bills late and had a few small things go to collections, but nothing huge. I have my car loan and thats it as far a debt so how can I build up my credit score????

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