Limited/Bad/Fair Credit Questions - Page 6

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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit

User Questions & Answers about Limited/Bad/Fair Credit

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Everyone who doesn’t have outstanding credit is striving for good and then excellent credit. Our experts are able to help you in your endeavor to gain a better credit score. If you have some doubts or any questions, you can freely consult with our qualified experts.

Recently Answered Questions:

What kind of credit do I need to apply for the Sears card?

Answered on

You do not need excellent credit, but you can’t have bad credit either. You will need better credit if you want to apply for the Sears MasterCard issued by Citibank. This card can be used everywhere MasterCard is accepted. If your credit is not good enough for that card, they may offer you their… Continue reading

I have a 645 credit score and would like to get another credit card. I am making timely payments, etc. will this reduce my credit score? Thanks. One balance is 800k limit is 1k the other is 600 limit is $2k

Answered on

Generally your credit score should increase because your overall credit utilization ratio will lower after you open a new credit card. However, there are other factors that affect your credit score. For example, a new credit card will lower your average account age which will negatively affect on your… Continue reading

I am trying to decide on my first credit card. I am not a student but I want to start establishing some credit. What’s more beneficial: a card with no annual fee for the first year and a low one after that or should I focus on one that offers some rewards but with a higher annual fee?

Answered on

If you do not have credit reports with any credit bureau, you should apply for a secured credit card. You will need to put down a security deposit to get a secured card. A minimum security deposit is usually around $200. Secured cards have an annual fee and may have low APRs. Secured cards are… Continue reading

I have moved from India to the U.S. I have signed up for a checking account, but do not have any credit history. Do I stand a chance of getting a credit card that offers me cash back or has a good rewards option? I’m not sure if the lack of credit history will affect my application. 

Answered on

Before you apply for a credit card, make sure you have a U.S. Social Security number. You will need it to fill out an application form. A credit card for people with no credit history is a good option for you. Continue reading

If we do not have credit, how does that work when applying for a credit card?

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Once you submit the application the credit card issuer estimates your creditworthiness. What counts are your income and expenses including your rent payments. If you have a bank account, it will be appreciated. The issuer will also pull your credit report. If you have any credit history in the report… Continue reading

I just graduated college and have never had a credit card before. I recently started a job and have quickly realized how essential and potentially beneficial a good credit card can be. I will be traveling often and spending a lot of time in hotels so I want a card with good rewards, but I am unable to obtain one because of my non-existent credit score. I would really appreciate any recommendations you have for me to get started.

Answered on

Since you are just starting your credit history, you should carefully choose your first credit card. As a rule, people with no credit are recommended to apply for a secured credit card. Today, it is possible to find secured cards with low fees, interest rates or with rewards. Secured credit cards with… Continue reading

I would like to get a credit card for Christmas shopping but my credit is fair. Can you tell me what card I can apply for?

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You can apply for a credit card for people with fair credit. Or, if you need it for shopping only, you can apply for a shopping credit card like the Horizon Gold Credit Card… Continue reading

I am a senior citizen on Social Security income and my credit score was 609. I want a credit card – no more than $500 credit limit. I have a bank debit account. What are my options?

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You can apply for the Milestone® Mastercard® - Less Than Perfect Credit Considered if you do not have a non-discharged bankruptcy. Continue reading

How does Horizon Gold works?

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The Horizon Gold is a shopping account that can be used exclusively at thehorizonoutlet.com. Continue reading

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Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

February 28, 2015

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