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Bad credit credit card?

My credit rating is not soo good and i'v been turned down a few times when I applied for a credit card. Where can I find bad credit credit cards?

Public Comments

  1. There are several that will approve you, but you should be careful with all of the scams out there. Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. These are all high fee / low limit credit cards that amount to nothing more than a scam. Avoid secured credit cards. Most report your status as secured and this does nothing to help build/rebuild your credit. Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit. So far the best card I have found for building/rebuilding credit is Orchard Bank. They have a low interest rate (14.90, good for a sub prime card), low annual fee, no hidden fees and if you manage your account properly, they give excellent credit limit increases. You can get more info on Orchard Bank at http://www.creditcardindex.org/orchardbank.html
  2. Your credit rating is not good because you have a behavioral problem in the way you handle debt. Avoid it. Get two or three jobs and save your money. Pay with cash from here on out. Remember that the borrower is slave to the lender.
  3. Small steps like paying your bills on time and using only part of the credit available to you. Also use your credit cards for making small payments regularly, so that it is reflected in your credit record. More tips available at http://www.acreditlibrary.com/buildcredit.html
  4. For a complete list of credit cards for poor / no credit, take a look here: http://www.asapcreditcard.com/unsecured-offers.html While these offers tend to have higher interest rates (and some additional fees) when compared to 'standard' credit cards-- they help you rebuild and improve your credit score. Eventually, with regular on-time payments-- you'll be able to apply for better offers with lower APR's and less fees. Hope this helps. GOOD LUCK!
  5. Here is a free list of secured and unsecured cards with bad credit -
* Some answers may have been provided by Yahoo! Answers.