Can you apply for a credit card if you have bad credit and receive one?
I need a credit card but i don’t know which credit card company to apply for?
there you go :
http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp
http://simple-credit-cards-and-loans.com?=yh070314
Good luck !
June 25th, 2010 at 6:45 pm
you can get a credit card from Orchard Visa. They give credit cards to people with bad credit.
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June 25th, 2010 at 6:52 pm
Depends on what company you apply at. some companies will give credit cards to anyone. If you actually get one, the smart thing to do would be to use it responsibly, make at least your minimum payment EACH AND EVERY month, so that you can begin to establish yourself as a good credit risk.
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June 25th, 2010 at 7:08 pm
Go to your local Wells Fargo branch and open a savings account for $500 and apply for a secured credit card. You will have $500 credit line so long as you keep the account open and don’t withdraw the money.
Good luck !!
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June 25th, 2010 at 7:20 pm
You can apply for a credit card, no matter what–it’s the getting it that is the problem!
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June 25th, 2010 at 8:05 pm
You can get one but be wary of the high interest rates. make sure you pay on time so you won’t get penalized.
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June 25th, 2010 at 8:27 pm
there are plenty who will prey on you. They love you because they know you’ll charge even if you can’t pay on time, so you’ll rack up lots of interest and they will make a lot more off of you. There was Senate testimony this past week from a man who paid 10K on a 3K balance.
References :
http://redtape.msnbc.com/2007/03/credit_card_com.html#posts
June 25th, 2010 at 9:00 pm
Capital One, Orchard Bank, CitiBank and Bank of America are examples of credit lenders for credit challenged individuals.
You can also go to http://www.badcreditlenders.com to find lenders who will loan to you.
Good Luck
References :
http://www.badcreditlenders.com
http://www.citibank.com
http://www.bankofamerica.com
June 25th, 2010 at 9:19 pm
Here’s a link which will let you compare card rates and rewards.
References :
http://www.bankrate.com/yho/rate/brm_ccsearch.asp
June 25th, 2010 at 10:02 pm
Yes you can get one.
Credit really only effects the interest rate from overages & how large a line of credit you will receive.
References :
Finance - Junior Yr.
June 25th, 2010 at 10:32 pm
"The market niche of people with bad credit is fortunately seen as a business opportunity by many financial institutions that are willing to invest in it."
I found this information at http://www.creditapply.org/blog/ under the posting "How can I get a credit card with bad credit".
They list a few credit card for people with bad credit but also warn you that poor credit rating will cost you money
"When looking for a credit card with bad credit you should expect to be offered a pretty high interest rate. You may also be offered cards with an annual fee – don’t turn them down straight away as the fee might bring your typical Annual Percentage Rate (APR) down. "
Some of the cards they list are
Imagine Gold Card
First PREMIER Bank MasterCard
Centennial Gold MasterCard(r)/Visa APR
and others.
They also have tips on how to use the card to better your credit.
References :
http://www.creditapply.org/blog/
June 25th, 2010 at 11:02 pm
You can get a credit card with bad credit and its a good way to build credit too. The problem is finding a bank that will get you that chance. A good free site I located on the internet that supplies a list of banks and finance companies that will give you a credit card with bad credit is at http://www.bad-credit-credit-card-for-people-with-bad-credit.info/ and it also shows you the pros and cons of each card.
References :
http://www.bad-credit-credit-card-for-people-with-bad-credit.info/
June 25th, 2010 at 11:14 pm
You can almost always get a card, but here are somethings to be wary of:
1. the interest rate
2. fees!! there are account maintenance fees, annual fees, opening fees…they just add it to your balance on the card, so when you receive the credit card, you are already $100 or more in debt!
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June 25th, 2010 at 11:57 pm
Capital One secured credit cards have completely changed the meaning of secured credit cards. Capital One secured credit cards provide very reasonable interest rates and perks that many other secured credit cards do not offer, but who charge very high processing and annual fees.
The Interest Rates
Most of the secured credit cards require you to deposit money, so you’d expect their interest rates to be reasonable. Sadly, this is not true. Many companies providing …………….
http://www.freewebs.com/getanswer/CapitalOneSecuredCreditCards.html
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June 26th, 2010 at 12:21 am
"You can apply for a Rewards Credit Card:
Reward credit cards reward you when you spend on the credit card. Normally, you can collect rewards through 3 ways.
* It involves earning cash back on the card, it depends on the amount you spend.
* Next one involves giving points to the customers. They can be redeemed for gifts like cosmetics, shoes, water heater, mobiles and other goodies which the credit card company offers.
* The last method of reward is providing airmiles. Airmiles are highly popular reward, as many customers like to redeem them for free flights or flight upgrades. Whatever type of reward credit card you opt for, carefully note the amount or rate at which rewards will accrue and also read carefully other terms and conditions.
"
References :
http://www.freewebs.com/helpee/rewardcreditcards.html
June 26th, 2010 at 1:08 am
I have recently gotten several credit cards for people with bad credit. These cards help you build credit. Initially you will start with a low credit limit but after a few months of paying on time your limit will increase. I have already seen results!!!
Here is a link to a lot of great cards for bad credit:
http://www.credit-land.com/index.php
Some others that may not be on there are: Orchard Bank Card, Tribute Bank Card and Aspen Bank Card. The sites should be fairly easy to find through a search engine.
Hope this helps!!!
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June 26th, 2010 at 1:37 am
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.htm
if it helps kindly remember me in your voting!.. cheers!
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June 26th, 2010 at 2:17 am
Yes, the imagine card is a good one… and you are pretty much guaranteed to get it if it’s your first time applying for it. Just don’t mess this one up.
Here’s a link http://creditoffernow.com/imaginecard
Enjoy!
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June 26th, 2010 at 2:31 am
there you go :
http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp
http://simple-credit-cards-and-loans.com?=yh070314
Good luck !
References :
http://index-go.com/improve-credit-score-get-out-of-debts-fast.asp
http://simple-credit-cards-and-loans.com?=yh070314