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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I have never had a credit card. I had to file bankruptcy 4 years ago. I have become ...

I have never had a credit card. I had to file bankruptcy 4 years ago. I have become disabled, so that benefit is my only income. I’m just trying to figure out ways to better my credit? Thanks

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Leo Zhu

You can apply for a secured credit card. This card is a good choice after bankruptcy. Unsecured credit cards require a collateral deposit, which is around $200. Your credit limit will be equal to the deposit. Also, your credit performance will be reported to the major credit bureaus. If you pay on time and stay within limit on your credit card, you will be able to improve your credit score in time.

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