I’m wanting to get a credit card to help... - Build Credit History Questions

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Credit Card Applications » Questions » User Questions » Build Credit History » I’m wanting to get a credit card to help rebuild my credit without having to have a...

I’m wanting to get a credit card to help rebuild my credit without having to have a prepaid or debit card. My score is a 550. I’m going threw a credit repair company now. Just wondering what card I could get to help me and not get denied and lower my score further.

Answered on

If you have never had bankruptcy, you can try getting the Credit One Bank Visa card. The card comes with pre-qualification allowing you to pre-qualify for it without affecting your credit score. Before you apply, make sure you do not have recent late payments on your current credit accounts. Late payment may lower your chances to qualify for any credit card.

Another option for you can be a secured credit card. Secured cards are designed for people with bad or no credit, so your chances to qualify will be rather high. Secured cards require a security deposit. The minimum security deposit is usually around $200. Your credit card payment activity will be reported to the major credit bureaus monthly which will allow you to build your credit.  

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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