Bad Credit vs Credit Card?
which unsecured credit card should I apply if I have poor credit? I applied for orchard bank and received one for 300.00, but want another one to help build my credit back up. Any ideas?
Public Comments
- Getting good credit is easy, and you will only need one credit card to do it! Use your card, and pay on it every month, it is that simple! By applying for more credit you will actually lower your credit score!
- first premier bank has a card for credit challenegd people too. but the other guy is right, u dont need many cards, one or two. use them! and pay on the, dont pay them off but make the payments, show a stable steady payment history, thats how you build it up.
- There is no "best" card. Continue what you are doing and pay on time for the next year on all of your bills. No need to check you credit report until after a year. Of course, try to minimize the APR on the credit card you choose. If you have the discipline now, pay everything with credit card, then pay these bills ontime. Happy crediting...
- i agree wiht the first answer, just get one card with a low amount something that you know you can pay back right away if you max it out. it wont take you long to get your score up there! good luck
- 1. Learn about them: http://www.expert-credit-advice.com/credit_card_expert.htm 2. Apply: I like the Eufora Credit Builder because it reports to the bureaus even though it is a "loaded value card" It reports you have an open installment loan, no joke! http://www.goeufora.com/418121496892
- Bad credit is one of the worst problems to have... however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : http://umgarticles.atspace.com/debt-consolidation.htm if it helps kindly remember me in your voting!.. cheers!
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