krys asked: I want to build my credit because i have none. I have a few doctor bills that i think are making my credit score bad. I’ve applied to many credit cards but i keep getting declined.
14 Responses for "How do i get a credit card with bad credit?"
well fix your credit by paying your bills off.
What I did, because I had NO credit, I had my dad co-sign for me. After a year with that card, I switched to a different company on my own.
If you would have those bills paid - they would have builded on your credit. Why would a company want to loan you money when you cant pay your bills.
Clean your debt and show your trustworthy.
Try getting a store credit card. The rates are higher, but it is easier to get approved. You can also inquire with your bank if they do secured credit cards. A secured card uses your own money as collateral & is usually pre-approved. So you put up $500, for example, and then you have a $500 spending limit. It builds your credit & then after about 6-7 months of positive payments it will increase your credit score.
Why would you want a card w/ bad credit? What’s the point of having a bad credit card? Anyways, you should pay your doctor bills to improve your credit score.
You can go thru your bank put down the money on a credit card and they will charge you interest and than you pay promptly and you can build credit that way. That is a smart beginners way because it is hard to get a credit card with bad credit.
Try Orchard Bank, HSBC Bank, or Centennial Bank. Just do a google search for credit cards poor credit and I think these will come up for you.
First, STOP applying for credit cards. Everytime one of those companies looks at your credit report it reflects badly on your FICO score.
Second, find a credit card online that is targeted at repairing someone’s credit. If you’re honestly in it to repair your credit you shouldn’t mind paying a yearly fee. Because that’s probably what you’ll have to do. They usually range from $45-$100 a year.
Third, you could always try to get a credit card through your bank. Usually they are alittle more leniant with people that have been banking with them for a few years.
I’d be more concerned with paying off the doctor’s bills (that you already have), than for building credit right now. If you have debt now, there is no point in increasing that and making matters worse. Once you get them paid off, that will automatically increase your credit worthiness. Consider a second job, and then apply for a secured master card or visa.
start becoming reliable. For now you’ll have to settle with REALLY bad rates and stuff. Personally I’d suggest you become more responsible before getting a card then you can get a good one and not have trouble paying that bill too!
maybe you should pay your bills then
DON’T GET ONE!!!!!!!!!
You need a guaranteed approved secured card.
I highly recommend the Eufora Credit Builder Mastercard from Bank First.
You are guaranteed to be approved, there is no credit check.
It is a Mastercard you can use anywhere Mastercard is excepted.
It reports to the credit bureaus and will have a dramatic impact on your credit.
Its $100 for two years membership
When you pay the $100, you will have a zero balance and will need to load funds onto it.
It may sound expensive, but have you any idea how much bad credit costs you? Thousands every year.
FYI, it also reports that you are making payments on an installment loan so it really helps your credit!
You can apply for it here:
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