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Looking for a Card for Bad Credit?

Fingerhut Credit Account

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National Credit Direct

0% APR.

Credit Limit of Up To $3,500.

Bank Name
Card Name
Credit History Annual Fee Application Processing Fee Apply / Details
Horizon Gold Credit Card
Horizon Gold Credit Card
Bad See Terms See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Apply
online


see details
Credit One Bank® Platinum Visa®
Credit One Bank® Platinum Visa®
Poor $0 - $99 See terms
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Apply
online


see details
Credit One Bank® Unsecured Visa® for Rebuilding Credit
Credit One Bank® Unsecured Visa® for Rebuilding Credit
Poor $0 - $99 See terms
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on eligible purchases, terms apply
  • No deposit requirements and opportunities to build your credit
  • Enjoy the flexibility to choose your payment due date. Terms apply.
  • Receive opportunities for credit line increases, a fee may apply
Apply
online


see details
Freedom Gold Card
Freedom Gold Card
Bad See Terms See Terms
  • $500 Unsecured Credit Limit.
  • Guaranteed Approval*.
  • No Credit Check.
  • No Employment Check.
  • Fast online application.
  • Reports to a Major Bureau.
  • Bad Credit - OK.
  • *See site for details.
Apply
online


see details

Troubles with Poor Credit?


You have bad credit. Your credit card applications are declined by banks. Seems like the only card you can get is the one with a rip-off interest rate, no rewards or bonuses. Is there a way out?

There sure is because no matter how bad your credit is you can always start improving it. First of all, why do people have bad credit? One should not confuse bad credit and no credit. If you have never had any kind of loans or credit cards, you probably have no credit. It's not that great but it is still a different story. People with bad credit history are usually those who have had troubles paying off their debts.

Banks are hesitant to lend this kind of people money again because they are not sure they will get it back. So having bad credit means not being trusted by banks. As soon as you prove that you are trustworthy, your credit score will rise and banks will start offering you good credit cards again!

And the only way you can prove that you are a responsible borrower is to get a Visa or MasterCard and make your payments in a timely manner. So apply for a credit card for bad credit and start improving your credit!


Secure Your Credit with a Secured Card!


Most experts consider secured credit cards to be the best tool for those willing to rebuild credit. Do you want to know why? First of all, a secured card is given to almost anyone who has made a bank deposit to serve as collateral for the card. Second, these cards have low interest compared to unsecured cards for bad credit. It is much easier to pay off the balance when you have APR.

However, these cards have a certain disadvantage. Your credit line is limited by the amount of money you have deposited. Sometimes your credit limit is equivalent to the collateral and sometimes it makes a certain percentage, for example, 80% of the deposit.

Think of the secured card as the first step of rebuilding credit. All banks issuing secured cards send the payment information to major credit card bureaus such as Equifax, Experian and TransUnion. This data is crucial for your credit score. It is even more important than your income. So do not miss a chance to improve your credit report that secured cards give you! Compare the deals and apply online for the one that works best for you!

Getting a Card after Bankruptcy


It is a well-known fact that bankruptcy stays on your credit report for ten years when all the other information is kept for seven. People who have declared bankruptcy always have bad credit. How can you improve it?

The number one rule is to always be on time with your bills. A good idea will be to set up automatic payments from your debit account so you won't accidently miss the due date. You should carefully review your credit report in case there are still some discharged debts listed as having balance. Contact the credit bureaus if some of the data is incorrect.

How do you get a card after bankruptcy? If you declared it awhile ago, you might try to apply for a cards for less than average credit. There are banks that offer deals for people with very low score. However, keep in mind that a denial might hurt your credit report. If you are not sure that you will be approved, submit an application for a secured card. These cards are usually given regardless of credit history. Apply for a credit card after bankruptcy!

ARTICLES about Credit Cards

Bad Credit Cards
September 28, 2007
Bad Credit Cards

Now we all live in the world called buy-now-pay-later. No wonder that so many people have problems with their credit card offers. Credit card companies do whatever they can to help and make bad credit cards more available.

These credit cards play a very important role. Nowadays it is almost impossible to rent a car or to book a hotel room without a credit card. In many places your check will not be accepted without a credit card going along with it. Below I will tell you all you need to know about bad credit card offers.


»Full story... Comments (1)...
The latest guestion of Credit
Card Helper Service

Can you give me a tip on finding a credit card for bad credit that has a limit of at least $5000?

Answer:
There are banks that issue credit cards for bad credit. They give a chance to improve your credit history. But they can only give you a small credit limit (around $300). They will watch how you manage this credit limit and make payments. If you prove your creditworthiness, they will usually raise your credit line in several months. Rebuilding credit takes time and effort and it is the only way you can improve your credit score and get better deals in future. We recommend you to start with a credit card that sends your payment info to the four major credit bureaus every month. So it is the perfect chance to start building your good credit history. On top of that they can provide 0% or low intro APRs on purchases, no annual fees and other built in benefits. View top offers in our section with limited credit offers.

Credit History Center

Understanding Your Credit Score

What is a credit score? It is a certain number given to a person to estimate the amount of risk involved into lending this person money. In other words this number shows your credit worthiness. There are several scales used by different credit bureaus but the most popular one is the FICO system.
The higher your score, the lower the bank's risk is. If your credit score is between 750 and 850, you have excellent credit and you are eligible for best credit cards. Score of 660-749 is considered to be good. Average credit (also called fair credit) is 620-659. If your credit score is lower than 619, you have bad credit. Sometimes you might see the number 9002 on your Experian report. That means that there is no sufficient information to give you a score.

How Can You Check Your Credit?

TAll US citizens and residents are entitled to have a free copy of their credit report from each credit bureau once a year. This is very important because in order to select the right credit card you need to know what your credit score is. Sometimes information on the report is incorrect and you need to contact the credit bureau and solve the issue.
The easiest way to get your credit report is to request it online. You can also do this over the phone or by mail. Experts recommend checking your credit report more than once a year to keep track of the information.

How to Improve Your Credit Score

Your credit score is based on all your financial data but the most important factor is your payment history. The best way to improve your credit score is to be a responsible credit card user. Pay your bills on time and credit bureaus will start giving you a bigger score.
If your FICO score is low, you should apply for cards for bad credit (some of them have instant approval). Having good credit is very rewarding - make building a strong credit history your goal! Apply for a credit card today!

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