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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I have never had a loan from a bank or a credit card. I have a lot of hospital bills on ...

I have never had a loan from a bank or a credit card. I have a lot of hospital bills on my credit report that should not be there because they are paid by my medical card. That’s also the reason I can’t have a bank account. So with bad or no credit how can I get a credit card that’s not prepaid?

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Leo Zhu

The medical bills may appear on your credit report if they were turned over to collections. These bills stay on your credit report for up to seven years, even if they’ve been paid off or settled.

You can try to improve your current credit situation by applying for a secured credit card. This card is the best option for you because it was created for those who have problems getting a credit card due to past mistakes. And the secured cards report your credit performance to major credit bureaus. For example, consider the Capital One® Secured MasterCard®. The card has no processing or application fees and a low APR. However, you will have to pay an annual fee.

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