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Bad Credt Credit Cards

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Teresa Said:

Having good credit and applying for a loan then getting declined?

We Answered:

Each financial company has their own points system some higher than others, wether they use equifax or experian makes no difference if your points when a credit search is carried out dosent reach their cut off point computer says no!, unfortunately there is little human intervention it is as simple as that and its cheaper to administrate. so its pot luck on which company he will fit with but be careful the more searches are done the lower the score will be brought down.

June Said:

How do we stick it to credt card banks with predatory lending policies?

We Answered:

You "push back" by shopping around. The days of "being with a bank for 20 years" meaning anything are long gone.

Ted Said:

Will getting secured credit cards help me to rebuild my credit?

We Answered:

YES, getting a 'secured' credit card could eventually help you get an 'unsecured' credit card or loan. But it will take some time. In the best case scenario, a secured credit card issuer might offer you an unsecured line of credit in 6-12 months; assuming you've made all your payments on time and didn't exceed your credit limit. After this, you'll have to keep making your payments on time and building a good track record to get your APR lowered and avoid extra fees.

If you're considering a credit card, I would suggest trying an 'unsecured' credit card (for poor / no credit) first so you can avoid a 'security deposit'. You can find a complete list of offers here:

I highly suggest you try the Orchard Bank Platinum card. It's a very competitive offer (for people with poor / no credit). Plus, if you aren't approved for their unsecured card-- Orchard will automatically offer you their 'secured' credit card instead. This way, you only apply once and avoid extra inquires on your credit report (which can hurt your credit score).

Hope this helps. GOOD LUCK!

Barry Said:

Credit card problems!?

We Answered:

Try Orchard Bank. They're pretty good about approving folks. And even if you don't qualify for an unsecured card, you still may be able to get a secured card. Granted you'd have to put a deposit upfront to get the same amount of the deposit in a line of credit, but you could actually work that to your advantage and use it as a way to not only build credit but also create a savings. The security deposit is usually put in a savings account that gains interest while you're building your credit anyway, so you could add to the deposit and raise your credit line at the same time. Just make sure that you manage the card properly by paying on time and not maxing it out. Becuase after a year or so, usually you'll get the deposit back with a little interest and the card will convert to unsecured. I put some links to a few secured cards and orchard bank

Good Luck!

Agnes Said:

Working on rebuilding my credit.. when is it safe to apply for new credt?

We Answered:

And now for the REAL answer..

You asked how you can fix your credit, right? You didn't ask how to go into debt, so I'm going to tell you how to do it. Right now, you already have enough credit cards. Work on what you have right now. To open another credit card, would take you 2 years for it to even do any good. Just work on getting the ones that you're behind on caught up or better yet, paid off, and then make small purchases ($20/max) and pay it in full, just like you said. Even though those accounts are behind right now, as long as they're still open, you can rebuild your credit with those. One thing that you should know is that what's going on with your accounts within the past 2 years is affecting your credit the most. Try really hard to get the accounts back in good standing. While I would normally would advise getting a secured card to build credit, in your case, I would just work with what you have.

People like H.B. talk about using cash and being debt free. I don't disagree about being debt free, that's why I'm on here giving people advice on how to use credit responsibly, so they won't be in debt. If cash can be used, that's fine, but plastic still has it's place, it's just a fact of life.

Carol Said:

i just turned 18 and i have limited credit. if i get a ral for tax refund will that give me some credt history?

We Answered:

Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments -

Emily Said:

I have fair credit and I am looking for a credit card?

We Answered:

Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - Your Ad Here

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