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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » Can you tell me what credit card would be ideal for me if I have poor credit?

Can you tell me what credit card would be ideal for me if I have poor credit?

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Leo Zhu

Let’s start from this: you can apply for a secured credit card or unsecured credit card.

Secured credit cards require a secured deposit. That means you should open a deposit in a bank on a certain amount of sum. As a rule this sum of money is equal to your future credit limit. In other cases this card acts like general, unsecured, credit card.

Unsecured credit cards don’t require any deposit when you apply, they are general credit cards. However, unsecured cards for poor credit may charge high fees and interest rates.

Both secured and unsecured credit cards you can find in bad credit section. As you are shopping for a card for poor credit history, try to find the card that charges minimum payments. Sometimes credit card issuers may minimize some charges in case you pay off the balance in due time and show perfect credit performance. But the most important is the ability to build a credit. Not every credit card for poor credit gives the opportunity to do this, so read carefully the terms and fine print.

  • CreditLandCom

    Horizon Card is a Horizon Gold Merchandise Card with an initial $500 credit limit provided you are 18 years of age or older, a legal U.S. resident and have furnished accurate identity and application information. They do not report you or check your credit history. To qualify for membership and receive immediate approval, you are required to have an active debit card or credit card established in your name. Upon final processing, your new Horizon Gold Card will be reported to a major credit bureau as an unsecured credit line. It does not help you to rebuild you credit history.

  • Madonna_nut

    Do the horizon credit card help you to rebuild your credit history and who are they

    • CreditLandCom

      Horizon Card is a Horizon Gold Merchandise Card with an initial $500 credit limit provided you are 18 years of age or older, a legal U.S. resident and have furnished accurate identity and application information. They do not report you or check your credit history. To qualify for membership and receive immediate approval, you are required to have an active debit card or credit card established in your name. Upon final processing, your new Horizon Gold Card will be reported to a major credit bureau as an unsecured credit line. It does not help you to rebuild you credit history.

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