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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I need a credit card, but have bad credit. Can you help me out? I want to apply for a ...

I need a credit card, but have bad credit. Can you help me out? I want to apply for a card that would give me a good credit line of $2000 or more and only pay a small fee. I want to know how I can get a card like this. Thank you, Nora

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Leo Zhu

I see from the information you provided that you filed bankruptcy or defaulted on a loan once. And you have been more than 90 days late on a payment in the past year. You can look into credit cards for bad credit, but most of these cards require a checking account or they are prepaid cards.

Since you have a history of bad credit, get ready for a low credit limit and high fees and interest rates. You should look for a credit card that does not charge a processing fee and offers a low annual fee.

Or you may need to rebuild your credit and a secured credit card may be the only option for you.

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