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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I need a credit card but I keep getting turned down. What can I do to get a credit card ...

I need a credit card but I keep getting turned down. What can I do to get a credit card if my credit is bad?

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Leo Zhu

First of all, find out the reasons you were turned down. The issuers usually explain that in the rejection letter you should have received. Also, check your credit report to make sure there are no errors. You should consider a credit card for people with bad credit. Another option for you is a secured credit card. As long as you make the security deposit you should be approved for a secured credit. The deposit may be around $200 and your credit limit will be equal to that deposit. The rates and fees are lower for secured cards, and your credit history will be reported to the major credit bureaus though this last option will not help you build up your credit score.

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