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Questions Found with the Tag: "Bad Credit"

I just recently checked my credit score and it’s 563. I was told that the only way I can rebuild it is with a prepaid credit card that reports to credit bureaus. But which credit card will I get approved for?

Answered on

Most prepaid cards do not report to the credit bureaus. To rebuild your credit history you should apply for an unsecured or secured credit card. The secured card is a good option for you because they are for those with bad credit. To get a secured credit card you will have to pay a collateral… Continue reading

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

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… Continue reading

What credit card is good to apply for after bankruptcy?

Answered on

If you want to reestablish your credit after bankruptcy, you can apply for a secured credit card. If you use this card responsibly, you will be able to improve your credit score. If you do not want a secured credit card, you can consider credit cards for bad credit history.  For example, you may… Continue reading

I have bad credit, but have never had a credit card and want to build my credit. What are the chances of being approved?

Answered on

You can apply for a secured credit card. You have a better chance of getting approved for this card as the banks protect themselves by asking you to deposit around $200 as collateral. It could be more or less, depending on the credit card issuer and your preferences. You will be able to improve… Continue reading

I am looking for low interest, no annual fee, and a small credit line (about $500) to work on building my credit back up.

Answered on

Consider secured credit cards. These cards offer low credit limits (from $200 and up), and they send reports to major credit bureaus to help you rebuild your credit. However, it will be hard to find a card which has both low interest rates and no annual fee. Perhaps you should focus on getting a… Continue reading

Hello, I was a victim of fraud years ago and my credit history is bad. Can I get approved for a card? I would like to build up my credit again. Thank You

Answered on

Yes, you can. Consider secured credit cards. These cards are good for those who want to rebuild credit. Secured means that you will have to pay a security deposit which will act as collateral. You credit line will be equal to this security deposit and will start somewhere around $200. Don’t expect… Continue reading

I am trying to rebuild my credit. I would like to make sure I can purchase anything at any time as well.

Answered on

I recommend you check your credit history and credit score. See if there are any errors in your report and dispute them if you find any. Once that is cleaned up, you can apply for a credit card. Look into secured credit cards. They are good for those who want to rebuild credit. These cards… Continue reading

I need a credit card, but every time I apply for one online the banks turn me down. Why?

Answered on

It is probably because you are applying for a card which is not suitable for your credit history. If you apply for a card for good credit but have bad credit, you will be denied. It is very important not to overestimate your credit score. Before applying for another credit card, use our credit card… Continue reading

I need a credit card, but have bad credit. Can you help me out? I want to apply for a card that would give me a good credit line of $2000 or more and only pay a small fee. I want to know how I can get a card like this. Thank you, Nora

Answered on

I see from the information you provided that you filed bankruptcy or defaulted on a loan once. And you have been more than 90 days late on a payment in the past year. You can look into credit cards for bad credit, but most of these cards require a checking account or they are prepaid […] Continue reading

I’m having trouble finding a credit card (Bad Credit, Declared Bankrupt).

Answered on

I see that you filed a bankruptcy once and have bad credit. That means you will need to apply for a secured credit card. You will be asked to deposit a minimum of $200 and as much as $5,000, depending on the issuer. You will then be able to make purchases up to the amount […] Continue reading

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