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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I am trying to rebuild my credit. Do I have to get a credit card, and if so which one do ...

I am trying to rebuild my credit. Do I have to get a credit card, and if so which one do I need? I do not want a debit card.

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Leo Zhu

If you already have a credit card, you can try rebuilding your credit with your existing credit card by making payments on time and staying within the credit limit. But if you need to get a new card, consider applying for a secured credit card. They are good for rebuilding credit. To get a secured credit card you will need to put down a collateral deposit of around $200. However, the fees and interest rates are quite low.

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Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
For Bad Credit

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