What ever the reason that your credit rating has bottomed out, you still need some type of credit available. If you do have no credit or your credit is poor, you will need to rebuild your score and for that you'll require credit. You can always get a secured credit card or a prepaid card, but both of these options, while they prevent you from upping your debt, will not help you in order to rebuild. You are not without wish though. In order to rebuild your score you'll need an unsecured card. You will not have the ability to obtain one of the premium cards without any annual fees, and other incentives. There are a large number of banks and other companies that focus on issuing unsecured cards to people along with bad credit. There are fees with these cards however and you ought to consider each carefully before applying for just about any card. 1. Most issuers that focus on people with bad credit charge a one-time application fee that may easily exceed $100. If you aren't prep
ared to pay that much, you might have to rely on other alternatives. Put into that fee some issuers charge a once processing fee. 2. Next you is going to be paying both a yearly fee, for the "privileged" of using their card and also a monthly processing fee which is generally between $5-$15. This means that you'll be paying well over a hundred dollars simply to get your card processed and after that monthly and yearly fees. If you have bad credit however and wish to accomplish things that take credit, like purchasing a car or home, you will need to pay to play. Once you have one of these simple cards the only method to achieve our temporary goals, getting a better card, would be to pay your bills on time and improve your credit rating. Before accepting any of these cards ensure that the issuers has a good status. It is very easy for any company to become a credit card issuer and, because of the, there are companies out there who can't be trusted. Check out the issuer very fi
rst. Make sure that the issuer reports to any or all three credit reporting agencies, and chose the one with the lowest apr.
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View this post on my blog: http://creditcard.valuegov.com/credit-card-availability-for-people-with-bad-credit/
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