I want to get a credit card to build up my alreadt poor credit. any suggestions which company to go with?
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try orchard bank or cor-trust and ca look at web site http://www.creditcards.com
If you go to your personal bank you can take credit out, but you really don’t get any money….you just pay it right back. At the end of the loan, they give you the $ and the good credit rating, assuming you paid all of the payments on time….I can’t remember what its called though. Contact your bank. Usually it is only for $1000. or less.
credit union
Something that you should know in your situation:
Anytime that you apply for credit, regardless of whether you’re approved or not, your score lowers anywhere between 3-5 points, so it’s important that you get a card that you have the best chance of getting approved for.
With that said, you have to be cautious of companies out there that target people with bad credit to offer unsecured cards, only to charge with outrageous fees that absorb the available credit before the card is received.
My suggestion would be to get a secured credit card. Reason for these is that they’re the easiest credit cards to get mainly because a deposit which is used as collateral is required upfront in order to establish a credit line. For example, if you deposit $300, your credit line’s $300, with the ability to increase it by adding to the deposit. The deposit is sometimes linked to a savings account which earns interest while you’re building credit. At some point, you eventually get the deposit back as long as you’ve paid on time and kept the balance either low or paid off. These credit cards are far more respected that those “credit rebuilder” credit cards because the majority come from major banks which no one can determine the difference.
I’ve posted several links to some secured card companies out there, in my personal experience, Bank of America offers the best secured card overall.
go to http://www.fastcreditcardapprovals.com and go under poor or no credit section, here you will find the right credit card no matter your credit score.
Credit Cards for Poor Credit – Secured Bad Credit Credit Cards
http://freewebs.com/best-creditcard
Obtaining a credit card with poor credit is doable. However, it requires a little effort and research. Here are a few tips for getting easily approved for a credit card with bad credit.
http://freewebs.com/best-creditcard