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I want to re-establish my credit. It is not so good, but i want a credit card that's not going to... |
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Date:
September 27, 2007, 6:53 pm |
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I want to re-establish my credit. It is not so good, but i want a credit card that's not going to charge so much in the beginning. |
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Answer:
Nowadays bad credit does not mean that you can't apply for a credit card and be approved. Some banks, such as Columbus, Dakota, First PREMIER, Millennium, Orchard issue cards for people whose credit needs improvement. You must understand however that the terms of the card are by far determined by your credit risk; thus, the better your history you have, the better terms of credit you are eligible for. That's why it is rather difficult to find cards for bad credit without any fees. Most of them charge annual fee (though its amount can vary significantly), setup or maintenance fee. Look through the page devoted to bad credit offers, compare details of each card and choose the one you like most. If you don't want to pay absolutely any fees you should raise your credit score - that is pay all your bills on time and use your cards lightly. In this case in time your history will be improved and you will be eligible for the cards without annual and other extra fees. |
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