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Credit Card Applications » Credit Card Questions » Other Questions » i know that my credit is bad but i still want to apply for a credit card. i have tried to apply...

i know that my credit is bad but i still want to apply for a credit card. i have tried to apply...

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Date:
June 30, 2007, 10:30 pm
i know that my credit is bad but i still want to apply for a credit card. i have tried to apply for a few but i always get turned down. am i applying for the wrong ones? which one can i apply for that i can get? can you help me? i am not trying to get alot of cards, i jusy want to get 2. i hope you can help me! thank you
Answer:
First of all, you should keep in mind that unsystematic applications won't do you any good. You see, each time you are denied you score further decreases, which in turn reduces your chances of being approved in the future. So, it is a kind of a vicious circle. Thus, if you've decided to get a card you should choose carefully and apply only for those you are eligible for. The most important thing you should do is to request your report and learn your current score. If your credit is limited and your score is low (below 620) you can only apply for bad credit cards. Turn, for example, to offers from Columbus, Dakota, First PREMIER, Millennium or Orchard. Of course their terms are not as favorable as those of good cards, they charge annual fee and often also setup fee, and the APR is generally higher. However they can be a fine tool of rebuilding one's history. On our site we present some cards for bad credit. Consider all the information about each card, compare the present offers and choose one that suits your requirements. Another way to improve your credit is to apply for one of secured credit cards. This card requires you to deposit some sum to ensure your ability to pay. On our site you can find a few variants of these cards too. After you've chosen the card you like just click "apply", fill the required form and submit an application through our service.
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