I have never had a loan from a bank or a credit card.... - Limited/Bad/Fair Credit Questions

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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?

Answered on | Updated on January 18th, 2013
The content is accurate at the time of publication and is subject to change.

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 . The card has no processing or application fees and a low APR. However, you will have to pay an annual fee.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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