USA Canada
Credit Card Question & Answer


Advertising Disclosure is an independent, advertising-supported web site. receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. has not reviewed all available credit card offers in the marketplace.
Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » My overall debt is approximately $7,500, with $444 of it past due and in collections. The ...

My overall debt is approximately $7,500, with $444 of it past due and in collections. The remaining balance (all previously defaulted student loans) has been consolidated and I’m current on my payments for 11 months now. With a credit score averaging 576 what type of cards should I be searching for?

Answered by , at
Add to Favorites:

Tags: , , ,

Leo Zhu

You should look for secured credit cards. These cards are created for those who have a negative credit history, but they want to improve their credit score. Secured credit cards require a collateral deposit. Otherwise, the secured credit cards work just like unsecured credit cards, and may even offer bonus programs. Look at . The card issuer will report your credit performance to the major credit bureaus and can offer credit limit increases without additional deposits. Your initial credit line may grow up to $3,000, but only if you use your card responsibly.

Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Guaranteed $500 Unsecured Credit Limit
For Bad Credit
Monthly reporting to the three major credit bureaus
For Bad / No Credit
Apply Now and Get a $500 Credit Line or More Today
For Any Credit

Other Questions in
Limited/Bad/Fair Credit