Anonymous
Anonymous asked in Business & FinanceCredit · 1 decade ago

Credit card with bad credit?

i want a unsecured credit card that i will get approved no matter what and not have to pay anything to get it activated and to use it, for instance imagine card makes you use a banking account and pay the 5 bux before you can use it. is there any credit cards that you get approved no matter what and not have to pay a proccessing fee?

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  • 1 decade ago
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    Unsecured credit cards are available for bad credit clients, however, the issuing banks charge high fees to cover the risk of extending credit to a bad credit client. You can expect to pay anywhere from $200-$350 or more in fees which the bank will keep, you do not get that money back. Those fees are upfront costs for obtaining a unsecured credit card for bad credit. In some cases, the bank will allow you to pay the fees over two or more months.

    In addition, unlike secured credit cards, if you have bad credit and apply for an unsecured credit card, it is not guaranteed that you will be approved. You may be turned down for an unsecured card, even if you are willing to pay the high fees.

    Some of the fees that you will pay for an unsecured credit card for bad credit are:

    Interest rate: you will pay a high interest rate as a bad credit client.

    Annual fee: you will pay an annual fee, which is probably higher than other good credit clients will pay.

    Monthly maintenance fees: you will also pay an amount every month called a "maintenance" fee, one top of the interest rate that you're already paying.

    Application fee: you will also pay a one time application fee, which can be as much as $175. Apply online at: http://www.credit-card-gallery.com/Problem_Credit....

  • 1 decade ago

    Looks like you don't know how it works man. Imagine yourself as the credit card company. Ok? And here is this stranger who's saying what you are saying as yourself right now. Are you going to risk the money that is not even your's to people like you who wants an easy credit card to use. Think about it...Once they know how you are credit wise - you will have a hard time finding people to thrust you again. you have to repair your credit first - can't get unsecure if you mess up your credit in the past and you also have so many late dues. That;'s the reality. Good luck to you.

  • Anonymous
    1 decade ago

    It will be impossible to find a credit card with no fees if you have bad credit. You can compare a complete list of offers here:

    http://www.asapcreditcard.com/poor-credit.html

    Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll give you the opportunity to build and improve your credit score over time. Eventually, with regular on-time payments-- you'll be able to qualify for better offers with lower APR's and less fees. But for now, these are your options...

    Hope this helps. GOOD LUCK!

  • 1 decade ago

    Orchard bank

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  • 1 decade ago

    Maybe you can try below website to get the information you need. It's about credit cards for your second opinion.

  • Anonymous
    1 decade ago

    Check this site, http://www.badcreditresources.com . it has a list of credit cards for bad credit I hope you will find what you are looking.

  • 1 decade ago

    processing fee.

    try this site

    continential finace corp master card. but there are fees on this car

  • Anonymous
    1 decade ago

    yes, you should be able to get one from this site.

    hopefully once you build your credit up you'll be able to move to a better card.

    http://www.thecreditcardtorebuildcredit.com/catego...

  • Anonymous
    1 decade ago

    No

    -MM

  • Anonymous
    6 years ago

    Need a good prepaid card with no credit check. when you put $40 on it they add an extra 20 http://bit.ly/1kuNALB it took 10 days for mine to get hear. you can even attach it to a PayPal account and use the card for a bank. you can even earn $20 when your friends get one.

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