Unguaranteed Cards For A Bad Credit Score Learning The Options

Whichever about receiving a bank loan, the threat of bad credit rankings should certainly just about stop the likelihood of acquiring endorsement on a card application. But there are still solutions to poor credit consumers, with unguaranteed cards for a bad credit score greatly offered off to the right applicant.

What should be noted is card issuers must matter cards when they are to generate a revenue, so almost always there is a readiness to agree programs. Even so, getting endorsement despite a bad credit score calls for some adjustments, normally by means of greater interest rates and tighter penalties for overdue equilibrium repayments.

You should browse the true charges of a charge card offer you ahead of looking for the unsecured credit card. Involving concealed charges, running costs and other expenses, receiving a card can prove an incredibly costly expenditure if proper care isn’t drawn in what to apply for.

What Exactly Are Credit card Cards?

Card issuers handle a lot of chance once they agree credit card bank cards for low credit score candidates. Sometimes, particularly if the credit score is particularly undesirable, the credit card supplier will insist on a pay as you go amount as a kind of protection. This can be a little like debit cards, as money is not expended if not by now around the card.

But by allowing a credit card without any type of security, the cardboard provider is taking all of the risk concerned. A greeting card restrict of Dollar10,000 foliage them vulnerable to an entire $10,000 in deficits. This is why, with standard banks and traditional loan companies, receiving acceptance in spite of a bad credit score is a thing of a miracle.

Those people who are happy to issue credit card charge cards usually demand better rates in order to deal with their probable deficits. So, although approval could possibly be encouraged, badly handling the minute card causes it to be very expensive.

Fees and Charges to Look Out For

When in search of credit card credit cards for poor credit, it is necessary the applicant displays the company they are in need of the cardboard and it is resources. But in the end, while information on cash flow and cautious are important, the issuer understands that it is as much as the cardholder to effectively deal with the charge card.

Using the share of risk the issuer is taking, the eye rates and overtime fees are actually quite high. Curiosity may range involving 15% and 19Per cent, based on the card provider, whilst additional fees are able to see the entire fees skyrocket. Getting authorization regardless of poor credit is extremely good, nonetheless it comes with a high-cost.

Before you take on any credit card, examine all the facts in the deal for info on fees and fees. Some concealed fees may well occur, in addition to running service fees and many others, while the Apr interest rates quoted could be increased if repayment schedules are delayed.

How to Avoid The Large Fees

There is only one productive way to escape the pricey service fees – settle into your market on time. A great advantage with getting unprotected bank cards for bad credit is that they can offer the bucks essential to manage certain bills. Even so, after the bill will be paid, then started paying back into your market.

Interest levels are only suitable to how much money utilised from the greeting card stability at a certain period of the thirty day period. If your balance is very reduced, then the curiosity incurred will be really minimal too. When the equilibrium is able to gather, then any benefit to possessing become endorsement in spite of bad credit the skin loses.

Also, be sure that your borrowing limit is rarely surpassed. Credit card providers normally utilize late charges in the event that comes about, in addition to being every single further fee or fee is combined with the balance, the job of paying back the credit card gets a growing number of challenging.

117 Comments

  • Zelda 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?

  • Jamie says:

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

  • Cary says:

    I’m interested in applying for a department store credit card like Carsons, Target, Wal-Mart, etc. However, my credit is not all that great right now but I would like a chance to RE-BUILD it. Does anyone have any experience with getting a department store credit card but you had bad credit? I appreciate and thank-you guys in advance for your kind answers and intelligent business advice.

  • Kent 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 ?

  • Kerry 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?

  • Dudley 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.

  • Antone 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?

  • Hassan 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.

  • Orlando says:

    I want to get a credit card to build up my credit and also for emergency situations. I don’t know all that much about credit cards except the basic buy now pay later. Where i can find a good credit card to get me started(preferrably visa)?
    I’m 23 and don’t have a checking account. My paychecks are direct deposit to a debit card i got through my job.

  • Stan 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

  • Jeramy says:

    I currently have no credit and after a few denials on credit cards, it seems a secured credit card is my best option. I plan to pay my balance in full every month to build my credit. How long after having a secured card paid every month would I have good enough credit to get a better card with no deposit required?

  • Sabina says:

    Keeping credit card will put me in trouble? Because banks coming forward to me for issuing me a credit card.

  • Holli says:

    I want to get a credit card to purchase a laptop and to build credit. What is the best card I could get with the most benefits and best interest rates?

  • Kent says:

    If a credit card company or bank lets you apply for a credit card and approves you even if you don’t have the proper requirements. Is that credit card fraud?
    Are there situations where banks over look applications and give cards anyway?

  • Garland says:

    I’m 19, from Florida and i have never had a credit card and i obviousley have no credit. I want to get my first credit card but it seems like every advertisement sent to me has a huge interest rate. What card do you think would be the best for me? I am not a student.

  • Marcellus 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?

  • Johnnie 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?

  • Vincent says:

    I currently have two credit cards, but would like to get one final one. I’ve been getting turned down for a few recently that I thought sounded good. What are some good cards and websites where I can get a credit card that almost every gets approved for? I’m young(21) and trying to establish some more credit. My friend got approved for a Best Buy credit card tonight and his credit isn’t that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.

  • Barney 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?

  • Lavina says:

    I am looking to raise my credit score and I have been turned down buy credit card companies and I spoke with someone that said I could get a pre approved credit card but i thought all credit cards were pre approved. Please help me I need to raise my credit score. Thanks

  • Garnett 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.

  • Taunya 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!

  • Rosalina says:

    I hate credit cards, but need to build credit. I would like to have a prepaid credit card and a normal fico building credit card. No annual fee of course. Then I will spend up to my prepaid cards limit on the credit card and pay off the credit card every month with the amount on the prepaid. Genius or problems?

  • Siu 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.

  • Norbert says:

    Will they take a credit card check for a loan payment?
    I am going about selling something and the person wants to pay with a credit card check. It’s not my own credit card check. I just want to make sure they will accept it.
    I am going about selling something and the person wants to pay with a credit card check. It’s not my own credit card check. I just want to make sure they will accept it.

  • Porfirio says:

    I have a amazon visa credit card, which is through chase. Is that considered a major credit card? My boyfriend was trying to rent a car from my state but I wanted to know if I could possibly use that card?

  • Judi 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?

  • Jacinto says:

    I want a credit card with a good balance tranfer offer. Six months at 0% will do fine.

    It might be nice for it to be otherwise a good credit card too because I might pay the balance off in about a month and still want to use the credit card.

    I already have a Amazon credit card with Chase so I think I need to use a different bank.

  • Chi says:

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

  • Lupe 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.

  • Dave 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.

  • Jay 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?

  • Carmine says:

    I got a new credit card in the mail through an airline. I didn’t know I was applying for a card, I thought I was joining the frequent flyer club.

    I have not activated the card. I thought about keeping it in a drawer for emergencies, but the interest is outrageous, so I want to cancel it. If I call to cancel, will that show up on my report as a closed credit card account, or would it not show up at all because I never activated or used the card?
    Earlier this year, I paid off all of my credit cards and have not had an active card for 5 years. I recently got a new card with ample credit and a decent rate. Because I’m a recovering spend-a-holic. I’m fearful of having too much credit available.
    To answer your question Laissez-Faire Guy, I, too agree that the activation is a scam. When I activated my other card, it was an automated process, then they patch you to a “customer service person” who wants you to buy additional services. It was hilarious b/c he was foreign and reading a script. After I kept saying no, he read the end of his script so fast, he sounded like a disclaimer in a car commercial.

  • Loma says:

    How does this affect your credit score:
    Using credit card and always paying off balance right away
    Using credit card and paying off balance after you get the statement
    Using the credit card and making the minimum payments after you get the statement

    Note sources or experience please.
    Thank you guys. But can someone clarify the difference between paying before and after you get the statement? A source would really help. I don’t like conflicting info esp without a source.
    Thank you guys. But can someone clarify the difference between paying before and after you get the statement? A source would really help. I don’t like conflicting info esp without a source.

  • Delmar 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.

  • Carmelo 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

  • Garnet 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.

  • Reinaldo says:

    I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. Does anyone have any wise credit card wisdom to pass on to me?

  • Shin says:

    Credit cards are becoming more and more picky about extending credit, and the interest rates are through the roof. What are some other ways I can establish solid credit without a credit card or major expenses? I go to college full time and work full time, I don’t want to get into heavy debt.

  • Devorah 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.

  • Imelda says:

    How do I account for credit card expenses on quickbooks online basic?
    And how to treat credit card charges?

  • Ted 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.

  • Pura 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?

  • Morgan says:

    I am starting college this fall, and I wanted to get a credit card to build my credit history. Well so far I’ve applied for Discover, Citi, and Captial One and they all have denied me. I applied for those cards because online it said it was for people without a history.. I dont know where else to look.

  • Tracie says:

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

  • Alayna 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?

  • Cruz 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.

  • Miquel says:

    I just turned eighteen at the end of February, so I have limited credit history.
    I was wondering what credit card is used for building credit, and would be the best choice for a person getting they’re first credit card.

  • Ernest 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?

  • Eusebio 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.

  • Suellen 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?

  • Jamey says:

    Both personal and small business credit cards would be helpful. Thanks!
    I know through personal experience that American Express DOES require a SS# when adding additional cardholders (at least for personal cards), and that Advanta does NOT require a SS# when adding additional cardholders.

    Personal experience with additional issuers would be helpful.
    Please provide specific credit card issuers. Thanks!

  • Jae says:

    I want to get a credit card, but I want the credit limit to not exceed 200 dollars. (im new to this whole credit card thing lol). Any suggestions?

  • Jennefer says:

    I have 4 credit cards (limits are 1000, 3300, and two 500s) and was considering getting rid of one 500 credit card. Should I pay the whole thing off and KEEP it or GET RID of it??

  • Shelba says:

    I have four credit cards and I want to put the amount owed all onto one credit card with a lower intrest. I also don’t have very good credit. Any help would be useful. Thanks.
    The amount owed is not more than 1,500 between the four. I always pay double of what the minimum payment is.

  • Karlyn 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?

  • Anthony says:

    I have no credit card debt but a few credit cards that are open I never intend on using. Is there any way I can close these accounts without hurting my credit? I do not like the idea of having open credit card accounts, for fear of theft of these numbers.

  • Cedrick says:

    What are some name of credit cards that have high credit limits? Are there any credit cards that have a $100000.00 credit limit?

  • Dudley 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…

  • Sherlyn says:

    What impact does closing credit cards have on your credit score?
    I have a number of credits that I am not using. What impact if any would closing some of these accounts have on my credit score?

  • Tristan says:

    First time dealing with credit cards need as much info as possible.

  • Rosa says:

    I have 2 credit cards and they’re not even that much. I’ve been paying every month to reduce the balance but after interest charges, it seems to go straight back up. I recently checked my credit score, and it’s in pretty OK shape. I know if I get another credit card, my credit limit will be enough to cover for both debts. My plan is to just get a new credit card with no interest for one year and pay them off then cancel my other 2 credit cards.
    Is that a safe idea? Will it affect my credit score (negatively) that much to do so?
    Thanks.

  • Emerita says:

    When I turned 18 I knew I needed credit cards to grow credit. When I reached the $500 limit on my first card and the $2000 limit on my new card when I found that this was not good for my credit. I hear that as long as you don’t spend more than half of the available balance your credit will be fine. Is this true?

  • Susanne says:

    I have a few personal credit cards and I want to consolidate them. I am also 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…

  • Tilda says:

    How did credit cards Revolutionize they way we live today?
    Do you the history of the credit card?
    How do credit cards effect us?
    Positively
    Negatively?
    Thanks!

  • Ronnie says:

    I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don’t need these credit cards and I would like to cancel them and have this “possible credit” to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?

  • Jazmine says:

    anyone know of a credit card when you have bad credit?

  • Manuel says:

    I may get a credit card for young adults.

  • Jazmine says:

    My dad pays for my credit card… is it possible for me to take out money from my bank account using my credit card?

  • Jamison says:

    What creditor can I get a credit card through…even department store just to use as a rebuilder? Score is about 500

  • Everett says:

    i had a thought of credit, but im unsure if a debit card is a credit card. i used my debit card ( when i had a job ) to withdraw money from my account. i had left $18.34 i wanted to take out $10.00 dollars for a purchas without taking my card with me. but when it asked how much withdraw it only went up to $20 dollar withdraw. so i withdrew 20 and owed my bank 2 dollars. that ended up going up within a few months. my question is does that count as credit? if so i didnt know and i do have a bad credit score…lol thanks and no rude comments please, it was my first time having plastic and didnt have a clue how to use it. i got it cause a friend told me it better to lose plastic than to lose all ur money ( bills ) if i got jumped..

  • Daniel says:

    I am looking for a good student credit card to see my through college. Where can I go?

  • Golden says:

    So I have no credit. I go to apply for a credit card so i can build my credit..but i cant get approved since i have none..anyone know of any credit cards that i could get to help build my credit??

  • Ashley says:

    I want to apply for a credit card but I don’t know about credit card companies which provides best credit card.

  • Hollis says:

    whats the difference between credit cards and the reward credits cards??? and which one is better?

  • Norbert says:

    A family member suggested I get a secured credit card to help build credit for myself. I figured this was a good idea, however, upon looking USAA also has a student credit card. Which one would be a wiser idea for a 18 YO college student to apply for and use for small purchases (I was thinking of just using it to buy gas or occasional groceries)?

    For reference, here is the student card:
    https://www.usaa.com/inet/pages/banking_credit_cards_main?wa_ref=pri_global_products_bank_cc
    here is the secured CD card:
    https://www.usaa.com/inet/pages/banking_credit_cards_secured_credit_card

    I should note I have no credit, and haven’t applied to either yet.
    Thanks for the detailed answers, all! Going to go for the secured card, and use it through community college then advance to an unsecured card!

  • Yolando says:

    i want a unsecured credit card that i will get approved no matter what and not have to pay anything to get it activated and to use it, for instance imagine card makes you use a banking account and pay the 5 bux before you can use it. is there any credit cards that you get approved no matter what and not have to pay a proccessing fee?

  • Jamie says:

    Where can I find a prepaid credit card fo help build my credit rating?

  • Suellen says:

    is there any credit cards that you qualify for once u turn 18 and dont have any acounts in ur credit history? because im trying to build my credit score… please let me know any store that gives u credit card. thanks!!!

  • Dusty says:

    what is the best credit card is the best to start out with

  • Hobert says:

    I have had a job for two years and now i want to build my credit. i have been told to apply for a credit card but which one to apply for is hard. i dont know anything about credit cards other than you charge now and pay later. what is a good first credit card? i take i have no credit history and im 20 going on 21.

  • Geoffrey says:

    Does cancelling a credit card or a store card affect my Credit History. If so, how?
    Well, I have been having all my card for the past 6 years and I always pay off the full amount when due every month and no defaults :-)

  • Ismael says:

    Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your credit

  • Columbus says:

    Hi I paid off all my debt except for one which is 137.00 on my credit reports. I wanted to apply for a credit card for bad credit because it says on my credit report that I need to get a major credit card Visa, MC, Discover, or AMEX and pay on it monthly. I do not want to use to card for cash advances! Thank you all answers welcomed.

  • Joye says:

    What are some shooping stores to apply for a credit card???

  • Kendrick says:

    Wireless credit card terminals continue to gain popularity among small and large businesses.Historically, mobile credit card terminals have developed hand in hand with all the advances of the cell phones industry.In short, wireless credit card terminals (or virtual credit card terminals) offer the merchants very convenient way to accept debit or credit card payments outside of the office, warehouse or any other place of business. In addition, recent developments and technology made it possible to have the wireless credit card terminals only without any need to install a regular stationary “point of sale”.So the only things a merchant needs are the smart phone and a wireless credit card terminal.

  • Agatha says:

    i have horrible credit but i need a credit card. is there any way i can get one or no?

  • Shirley says:

    Is ATM card and credit card same thing. or debit card and ATM card same?
    what is the main difference between ATM card, Credit card & Debit card?

  • Joel says:

    In regaurds to credit card fraud. Are all credit cards protected against fraud? So it doesn’t matter what credit card you have, you can always disbute a bill or a charge to the account?

  • Kermit says:

    entering college as a freshman, i have no credit history. so when should i get a credit card?

  • Kurt says:

    What exactly is a secured credit card?

  • Mason says:

    what is chip credit card? Should I take HDFC BANK titanium edge credit card?

  • Elden says:

    What can you do with a credit card?

  • Thomas says:

    My friend is a minor like me, we’re only 15, but he has a credit card that he uses to buy stuff online, so he doesn’t have to use his mom’s credit card. I was wondering where to get something like that, like a credit card that you fill up with money and you can use it anytime.

  • Teresita says:

    like what kind of credit card /company should i aply for?….explaind diffent type of credit card…like gift card or um…planium card and stardard cards…and is it safe to use it online …plezz hepl me im clueless

  • Hunter says:

    Friends, pls detailed ingorm me about debit card, credit card and visa card….

  • Len says:

    what is deffrence between student credit card and secured card?

  • Holli says:

    I’m 21, I’d like to build credit. I’ve never have a credit card before. I plan on just using the credit card for maybe gas and that’s about it. Which card should I go for? Also I’ve seen that for many you get the first year 0% APR. Is this good? Will it grow credit? Or do I need interest to grow credit? I don’t want a card just for the sake of having a credit card. I want it solely for the purpose of having good credit. Thanks.

  • Arturo says:

    Can you get a debit card or credit card at age 16 ? If so which is the good option Credit or debit card ?

  • Maryalice says:

    I’m 18 and already applied for a non-secured credit card and I got rejected… are there any credit cards that are for starters.

    Btw, I will be attending high school in september. I want to get those students cards, but it seems like they are only for college students.

  • Dana says:

    I am looking for a travel rewards credit card. Where can I go?

  • Edwin says:

    Hi there,

    Quick question…For building credit, is there a difference between student credit cards and regular credit cards? Because I’m gonna apply for a new credit card, and I wanted to see if I should choose the college credit card or a regular one….or if it even matter in terms of building credit. Thanks.

  • Lemuel says:

    High school kid without a job, no bank info
    Need credit card to get a free xbox 360
    what do I do?

  • Porfirio says:

    Where can I find hotel reward credit cards?

  • Diego says:

    I have two credit cards that have very high balances on them and I was wondering if there is a credit card out there that is just for credit transfers. I would like to transfer both my credit card balances on to one card so then I would have just one payment a month.

  • Carlie says:

    I’m turning 18 in 2 weeks and i was wondering if i would be able to get credit cards?? i saw online that i could get one for up to 5000 dollars, is that true?? i dont believe everything i read so i was just asking, and i dont want to hear thats its going to ruin my credit, i plan on putting a ton of money towards it every month, if anything it will build my credit, so any advice? or good brands of credit cards i would qualify for?

  • Khadijah says:

    does anybody know where you can be 100% approved for a credit card with bad credit and without me sending them money or them giving me a limit of $300 and after the bla bla bla charges only have $50 left?

  • Tiara says:

    My request for a new credit card was rejected. When I asked for an explanation a certain telemarketing person said that I was a credit card tart and that is why my request was rejected. What does a credit card tart mean?

  • Irving says:

    My credit score is 550…I had 2 collections accounts and they are closed. I need to get a credit card but no one will approve me. Can anyone tell me a credit card I can get approved for and it will help me rebuild my credit?Thank you

  • Tammie says:

    what is a unsecured credit card?

  • Zachary says:

    I have been having problems paying my credit card – the credit card company offered me a lower settlement to clear the entire amount. Does doing this hurt my credit rating and score?

  • George says:

    We applied for cred card. But allow a secured credit card. What is the differences. We would have a clear piture if described clearly of both , credit card and secured credit card.

  • Harland says:

    APR for credit cards? What do they mean when they say credit card introductory APR rate?

  • Tamatha says:

    I want to know if anyone has personally applied for a credit card having no credit history at all. i have applied for bank of americas student card and got denied also i applied for discover card and got denied even though it say no credit history required??

  • Elliott says:

    I wanted to apply for a credit card that is unlimited and just a good one.my friend got a credit card thats unlimited and i wanted to know where i can get one at?i need it for college.thanks!

  • Marya says:

    1.I have a credit card with Aus$2100 credit but the laptop i want to buy is Aus $2500 will they(dell computers) accept my credit card?
    2.Will the bank (HSBC) allow the transaction of buying a computer that is over my credit limit?
    CREDIT CARD credit limit problem?
    1.I have a credit card with Aus$2100 credit but the laptop i want to buy is Aus $2500 will they(dell computers) accept my credit card?

    2.Will the bank (HSBC) allow the transaction of buying a computer that is over my credit limit?

    (I do not mind paying overlimit intrest fees to the bank.But wheather that will affect dell accept my credit card im not sure) pls help

  • Alisha says:

    Can I get a credit card although I have bad credit?
    Which credit cad?
    which bank?
    How much would be the highest spending limit be?
    I have only had ONE credit card before,(don’t owe much on it),
    but I have a broken lease,that may have been the reason to the low/bad credit.
    What is my options/chances?
    Could I also apply for any of them online.
    I want a decent card,NO scam!

Leave a Reply