|
Answer:
Your credit rating has the numerical expression defined as credit scores. A credit score of 0 stands for no credit history, whereas the score of 350-619 means that your credit is bad. You can learn your credit score at one or all the national credit bureaus, contacting them by phone or in writing. Depending on your credit scores, you may choose one of the credit cards we suggested. If your scores are under 350 and there are no defaults or late payment records in your credit report, it means you may be building credit history. In this case, you can check Capital One Standard Platinum credit card which is designed for applicants who have just established their credit and have not spoilt it by bad payments yet. If you are a college student with no credit history, have a look at Citi® mtvUTM Platinum Select® Visa® Card for College Students which offers favorable rates and fees and helps build credit in an easy, enjoyable way. In case your credit history is bad (350-619 points of credit scores) and it has been damaged by credit card misuse, which is reflected in your credit report, consider getting Centennial Gold MasterCard®/Visa from First PREMIER Bank. This credit card is for people repairing their credit and, if used wisely, is a great tool to boost one's credit scores. Mind it, however, that the approval for this credit card will depend on the extent of your credit history damage. So, find out your credit score and apply for the credit card which is right for your current credit rating. |
