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SpinDistribute.com Article Directory

The following article was published in our article directory on August 24, 2013.
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Can You Obtain a Credit Card With Bad Credit? Find Out Now

Article Category: Finances

Author Name: Harry Vitt

This is a typical question among people with poor credit. Even though your current credit rating may not exactly be favorable to qualify for loans, it's not impossible for you to get a credit card with bad credit. Whether you're suffering from a poor credit history because of irresponsible management of finances, late payments, too much debt, or a recent job loss, you still have the chance to improve and rebuild your credit gradually, one step at a time.

Here are some useful tips when getting credit cards with bad credit.

- Check your credit reports, and explain negative items.

If you have reasonable explanations for the negative items in your credit reports, it's best that you examine each of them and list your reasons thoroughly. Get a copy of your credit reports from all of the three major credit bureaus -- TransUnion, Equifax and Experian.

Find all of the negative items, and be honest in explaining the reasons behind them. For instance, you can provide details about circumstances that were beyond your control such as a huge medical debt. Lenders may trust you more if you're honest about your situation.

- Consider applying for a credit card at your local bank or credit union.

This is a viable option if you have established a good relationship with them. They might be willing to give you credit if you're deemed a reliable customer.

- Consider applying for a secured credit card.

A secured credit card is one of the best choices when it comes to credit cards with bad credit. It lets you deposit funds that serve as your credit limit. This is a good way to build credit. Check if your credit card company sends the transactions to the bureaus. You may be able to use a regular, unsecured card over time. It's possible to convert secured credit cards to unsecured cards after one year of on-time payments.

If you feel that the security deposit hampers you from getting this card, try to put small amounts of money in a saving account every month until you save enough to get one. Some companies accept low security deposits depending on your credit limit.

- Consider subprime credit cards.

This should be your last option, if all other alternatives are not available, mainly because the fees and interest rates are significantly high. You have to pay these off on time and in full, due to the costly rates. However, when used responsibly, a subprime credit card can help improve your credit rating and help you qualify for a more affordable card eventually.

- Get prepaid cards.

Another possible option for people with bad credit is getting a prepaid card. In reality it's not a credit card, and it can't restore your credit because your credit card activity will not be reported to the credit bureaus. You need to make a deposit before using a prepaid card, and your purchases will be deducted from your card balance.

Although there aren't many choices to get credit cards with bad credit, you just have to try your available options and work hard to rebuild your credit score. By improving your financial habits and becoming more responsible, you can work your way towards gaining a better credit rating.

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