Many people think that just because they have bad credit they don't have options - this is not true! You have have a couple of routes to go down depending on where your credit score is.
There are unsecured credit cards, secured credit cards, & prepaid cards. Each card provides its own unique benefits and will help you rebuild your credit.
The goal is to be responsible, make your minimum payments and keep your revolving balance on the card below 50%. Once you decide what kind of card you want, we can match you with the best offers!
UNSECURED CARDS Unsecured credit cards are built specifically for people with okay/bad credit. Although approval is not guaranteed, this is a great option to help rebuild your credit as long as you can make timely payments. Make sure to try and pay your entire balance monthly or at least make your minimum payments to help build your credit!
PREPAID CARDS Prepaid credit cards are another fantastic option if you are unable to get approved for a secured or unsecured card. You get the convenience of being able to use plastic and not having to carry around cash. These credit cards act in a similar fashion to a debit card where the fund are taken directly out of the account as you spend the funds.
CATALOG CARDS Catalog cards are great for establishing a better credit rating if you have bad credit. They usually have minimal requirements for approval and sometimes guaranteed approval. Purchases are limited to specific online stores or catalogs.
SECURED CREDIT CARDS Secured credit cards offer a great avenue in rebuilding or establishing credit. It is important to remember that you need to make your payments on time in order to build or boost your credit score.
Finding the best Credit Card offers...