Credit Cards for People with Bad Credit

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Credit Card Applications » Credit Cards for Bad Credit

Prepaid & Credit Card Applications for Bad Credit

Sometimes unexpected things happen in life and you get in over your head. Whatever the reason for your bad credit history, the first step toward repairing it is applying for a card made especially for your situation and then, if approved, making timely payments and keeping account balances low relative to the credit limit with all your creditors.

When you use a credit card keep in mind that your credit behaviour will be reported to the consumer reporting agencies, so you could build your credit history if you practice responsible credit behavior. Also banks may charge additional fees for credit card use, beyond interest rates and annual fees. Read the terms and conditions carefully and know what you are signing up for - Credit-Land.com provides you with most current and full product reviews.

Surge Mastercard®
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Minimum Required Credit History:
Fair/Bad Credit
Card Details:
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Summary of Card Features:
Intro APR on Bal. Tr.Intro APR on Purch.Regular APRAnnual FeeApplication Processing Fee
N/AN/ASee Terms*See Terms*N/A

To apply for this card you need to have an active checking account

See card details
Horizon Gold Credit Card
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Minimum Required Credit History:
Bad Credit
Where to use this card:
Use exclusively at the Horizon Outlet ( thehorizonoutlet.com ).
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Summary of Card Features:
Intro APR on Bal. Tr.Intro APR on Purch.Regular APRAnnual FeeApplication Processing Fee
n/an/a0.00%See TermsSee Terms

To apply for this card you need to have an active credit card or debit card

See card details
Total Visa Card
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Minimum Required Credit History:
Fair/Bad Credit
Card Details:
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Summary of Card Features:
Intro APR on Bal. Tr.Intro APR on Purch.Regular APRAnnual FeeApplication Processing Fee
N/AN/ASee Terms*See Terms*See Terms*

To apply for this card you need to have an active checking account

See card details
Fingerhut Credit Account
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Minimum Required Credit History:
Bad Credit
Where to use this card:
Use exclusively at Fingerhut Outlet ( Fingerhut.com ).
Card Details:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Summary of Card Features:
Intro APR on Bal. Tr.Intro APR on Purch.Regular APRAnnual FeeApplication Processing Fee
n/an/a25.15%$0See Terms
See card details
Fast5kLoans
Minimum Required Credit History:
Any Credit
Loan Details:
  • Personal Loans Online
  • All Credit Types Accepted
  • See Money In Your Account
Summary of Loan Features:
Employment RequiredMaximum
Loan Amount
Minimum
Loan Amount
Minimum
Income Required
Minimum Age
of a Borrower
No$5,000$500See terms18
See loan details
First Access Visa
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Minimum Required Credit History:
Fair/Bad Credit
Card Details:
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Summary of Card Features:
Intro APR on Bal. Tr.Intro APR on Purch.Regular APRAnnual FeeApplication Processing Fee
N/AN/ASee Terms*See Terms*See Terms*

To apply for this card you need to have an active checking account

See card details
Capital One® Secured Mastercard®
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Minimum Required Credit History:
Limited, Bad Credit
Card Details:
  • No annual fee, and all the credit building benefits with responsible card use
  • Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
  • You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
  • Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
  • Easily manage your account 24/7 with online access, by phone or using our mobile app
  • It’s a credit card accepted at millions of locations worldwide
Summary of Card Features:
Intro APR on Bal. Tr.Intro APR on Purch.Regular APRAnnual FeeApplication Processing Fee
N/AN/A24.99% (Variable)$0See terms

To apply for this card you need to have an active checking account or savings account

See card details

The Truth About Repairing Bad Credit

Don't trust anyone who tells you there is a quick fix for repairing your credit. Bad credit is a burden that can last years on your credit report, and may take a toll on your personal and professional life. Using credit cards responsibly and making on-time payments over a number of years and keeping account balances low relative to the credit limit helps building good credit history.

If you are thinking of applying for a credit card, choose the right card. A good option for consumers with bad credit is a secured credit card. Secured credit cards report your credit performance to consumer reporting agencies. So, if you are on time with all payments and do not go over the limit, you will likely be able to raise your credit score. Don't believe those who claim prepaid cards can do the same for you. Prepaid cards do not send reports to the agencies, and as a result there's no improvement for your credit history. However, they are good for establishing the habit of making payments regularly. They prepare you to have a regular credit card.

Living With Bad Credit

  1. Although, for most credit cards designed for people with bad credit, interest rates are much higher than for any other credit card, paying off full balance at the end of each month will avoid interest.
  2. Secured Cards allow you to start a credit history. If you never miss payments and are careful with your spending, many banks will graduate you to an unsecured credit line, and will sometimes refund your deposit.
  3. Don't believe fast fixes to bad credit. It takes time and dedication on your part. A negative report can last from 7 to 10 years, but this too shall pass, so start your good credit today, for better tomorrow.

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Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

February 28, 2015

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