Anonymous
Anonymous asked in Business & FinanceCredit · 1 decade ago

Credit Card With Bad Credit?

Can I get a credit card although I have bad credit?

Which credit cad?

which bank?

How much would be the highest spending limit be?

I have only had ONE credit card before,(don't owe much on it),

but I have a broken lease,that may have been the reason to the low/bad credit.

What is my options/chances?

Could I also apply for any of them online.

I want a decent card,NO scam!

11 Answers

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  • Anonymous
    1 decade ago
    Favorite Answer

    There are many credit cards available to people with poor / no credit. Orchard Bank and First Premier are two of the most popular issuers. You'll also have to decide between 'secured' and 'unsecured'. Since you won't pay a security deposit with an unsecured credit card, I would try that first. You can find a complete list here:

    http://www.asapcreditcard.com/unsecured-offers.htm...

    Usually, you'll start out with a credit limit of $500. Over time, with regular on-time payments-- the issuer will offer increases to your credit limit. Eventually, you'll be able to apply for 'regular' credit card offers with lower interest rates and less fees.

  • carlos
    Lv 5
    1 decade ago

    - Can I get a credit card although I have bad credit?

    Yes !

    - Which credit cad?

    Visa or Mastercard

    - which bank?

    Citibank is great

    - How much would be the highest spending limit be?

    If you have bad credit, 500 to 1000$

    - I have only had ONE credit card before,(don't owe much on it),

    but I have a broken lease,that may have been the reason to the low/bad credit.

    Okay. Have you tried to increase this credit card limit ? What was the answer Did you pay on time for the last 6 months ? If so, and you've being refused for a higher limit, you must start to pay everything you can with that card and pay it back in FULL every month. It will increase your credit rating.

    - What is my options/chances?

    1 out of 2 (50%)

    - Could I also apply for any of them online.

    YES !

    http://simple-credit-cards-and-loans.com?=yh070307

    http://index-go.com/credit-cards.asp

    - I want a decent card, NO scam!

    Visa and Mastercard are great cards - there's no scam.

    Good luck !

  • 1 decade ago

    When your credit is poor, it may seem like you can't get approved for credit of any kind. But there are today many lenders who offer a credit card with bad credit history. These products will cost more than credit cards for people with good credit, but for some the cost may be worth it. You can use these cards to repair your credit, especially after bankruptcy, foreclosure or other financial event that may have damaged your credit.

    Another alternative to getting a credit card with bad credit is a secured credit card. These cards require that the card holder put down a deposit with the issuing bank. This deposit secures the credit line extended by the bank; if the card holder does not pay the card as agreed, the bank will keep the deposit. There are also high interest rates and fees for secured cards, but they may be less expensive than those on unsecured cards.

    try online at: http://www.credit-card-forums.com/Secured.html and get instance approval according to your requirment.

  • Anonymous
    1 decade ago

    I hope this helps you:

    How to Select Bad Credit Credit Cards

    Bad credit credit cards have been developed for people with poor credit and want to improve their credit rating. There are two types of credit cards: secured and unsecured credit cards. You have to choose between these two, based on various factors with the stable income being the crucial one.

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  • 1 decade ago

    Bad credit is one of the worst problems to have... however there exists a solution.

    I will hereby talk from my personal experience.

    I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

    if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

    a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

    http://umgarticles.atspace.com/debt-consolidation....

    if it helps kindly remember me in your voting!.. cheers!

  • 1 decade ago

    First of all, find out why you have bad credit. Is it the broken lease? I've had broken leases before and it never affected my credit. Find out first and try to straighten that out if all possible. Then, do go to a website for those with bad credit..hopefully, you'll be able to change the "bad" to "good".

  • 1 decade ago

    any secured credit card you can get. you have to deposit money into it first just as collateral so it makes sure you have enough to cover going over. the only bad thing is, you usually have to pay for the service

  • Anonymous
    1 decade ago

    Yes U can ..

    Bank OF America

    I can get you a secured credit Card after 3 mouths then it will become non- secured .

    E . mail me i tell u more ...

  • 1 decade ago

    Why do you want a credit card when your credit is bad?

    Pay cash and save your money.

  • 1 decade ago

    There may be something of use here.

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