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| Credit Card Offers » Apply for a Credit Card » Credit Card Levels » Poor or Bad Credit Credit Card Offers |
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Poor or Bad Credit Credit Card Offers |
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| If you have poor credit, a credit score 629 or less, you might find it really difficult to obtain a credit card. However, now credit card companies are offering poor credit credit cards to people just like you to help you get back on the right track to good credit once more. You have several different options when it comes to getting poor credit credit cards, you just have to choose which one best suits your situation. |
- Credit cards for people with a credit score under 629 referred to as "poor credit credit cards"
- Secured credit cards a good option for people with less than perfect credit
- Paying annual fees and higher interest on credit cards makes it possible to obtain one with poor credit, and over time you can improve your rates with on time payments
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| Credit Card Offers Found: 4 |
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| Most Attractive: |
9.9% APR on purchases, nstant credit decisions, 24-hour account access by phone, monthly credit bureau reporting |
| Special Offer: |
Low 9.9% APR! |
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(MasterCard/Visa)
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- 9.9% APR on Purchases
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
- All Applications Accepted!
- Gold Card Prestige
- Monthly credit bureau reporting
- Instant Decision!
- 24-hour account access by phone
- Apply for a Credit Card Today!
- Benefit Rating:
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n/a Intro APR (* see notes for more APR details)
9.9% Regular Fixed APR for Purchases
19.9% Regular Fixed APR for Cash Advances |
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$48 Annual Fee
25 days Grace Period |
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| Important Notes: |
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To offset the necessary start-up fees, the Centennial Gold charges just 9.9% APR on purchases.
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| Most Attractive: |
Low 9.9% APR, $48 annual fee, know within 60 seconds if you are approved |
| Special Offer: |
Low 9.9% APR! |
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(MasterCard/Visa)
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- Low 9.9% APR!
- Instant Decision!
- Gold Card Prestige
- Reports monthly to 4 Major Credit Bureaus
- No checking account required
- Apply for a Credit Card Today!
- Benefit Rating:
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n/a Intro APR (* see notes for more APR details)
9.9% Regular Fixed APR for Purchases
19.9% Regular Fixed APR for Cash Advances |
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Bonus on First Purchase: None
$48 Annual Fee
25 days Grace Period |
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| Important Notes: |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
Low APR on Purchases |
| Special Offer: |
Credit Decision In Seconds |
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(MasterCard/Visa)
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- Bad Credit? No Problem!
- Low APR on Purchases
- Credit Decision In Seconds
- The Right Credit Card for those with less than perfect credit
- Reports monthly to 4 Major Credit Bureaus
- No checking account required
- 24-hour account access by phone
- No reason to wait - Apply Now!
- Benefit Rating:
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n/a Intro APR (* see notes for more APR details)
9.9% Regular Fixed APR for Purchases
19.9% Regular Fixed APR for Cash Advances |
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$48 Annual Fee
25 days Grace Period |
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| Important Notes: |
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See website for complete terms and conditions of card usage and application disclosure.
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| Most Attractive: |
9.9% APR for Purchases; Credit Decision in Seconds |
| Special Offer: |
9.9% APR for Purchases |
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(MasterCard/Visa)
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- Low APR on Purchases
- Credit Decision in Seconds
- The Right Credit Card for those with less than perfect credit
- Reports monthly to 4 Major Credit Bureaus
- No checking account required
- No Reason to Wait - Apply Now
- Benefit Rating:
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n/a Intro APR (* see notes for more APR details)
9.9% Regular Fixed APR for Purchases
19.9% Regular Fixed APR for Cash Advances |
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$48 Annual Fee
25 days Grace Period |
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| Important Notes: |
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See website for complete terms and conditions of card usage and application disclosure.
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One of the most common types of poor credit credit cards that many people look to are what are known as secured credit cards. These are available to anyone regardless of what is on your credit history and work well to start repair your poor credit once again. However, with secured credit cards, you typically do not have the opportunity to take advantage of rewards or many benefits that are associated with other types of credit cards, but they will help you get back on the right track to better credit.
Secured credit cards are easy to obtain because they are secured. You have to give them money to secure your credit limit. In other words, if you were to send them $300, your credit card would have a limit of $300. At the same time, you have made that deposit, but you need to keep making monthly payments on time, which will replenish your credit card limit, just like any other credit card you might get. If you show that, you are credit worthy and you keep making the payments on time, every month, as well as regularly using the card, eventually the company will take notice and raise the limit of credit on your poor credit credit cards.
Another option, particularly if you have poor credit, but just under the fair credit line, you may qualify for other types of credit cards, but with higher rates of interest and strict conditions and terms. You will definitely have to pay annual fees, have a shorten period of grace, and other fees, but you can work on getting things back to where they belong credit wise.
Another option with poor credit credit cards is to consider the small types of businesses. Major credit card companies are less likely to extend credit to those with poor credit; however, you might still have the opportunity to obtain credit cards with retailers and department stores, such as Wal-Mart, Target, and other major department stores. These are great for those with poor credit or no credit, because they allow you to build a good credit standing, experience credit limit increases, and eventually qualifying for a better type of credit card with less interest and fees.
The most important part of poor credit credit cards is to be wise in your use and use them to regain your good credit status once again. Then you will find that so many more doors open to you when it comes to credit and you can start building your life once again. However, be sure to avoid allowing yourself to fall in the same trap. Never spend more than you can afford to pay off in a month, as this is the best way to keep from being assessed a bunch of interest fees, late fees, and other finance charges.
Learn from your past mistakes and get your credit back up where you want it to be by using your poor credit credit cards in a smart and wise fashion. It is ultimately important to not spend more than you can afford to pay, as the more finance charges you incur; the harder it will be to pay it off. In other words, if you obtain a credit card a local department store, and must use your poor credit credit cards to make purchases, make sure you can pay it off at the end of the month to avoid excess charges. Otherwise, pay with cash to avoid making the same mistakes over again.
Even with poor credit, getting a credit card is possible, with poor credit credit cards and using them to get back on the right financial track once more. Soon, you will find that you qualify for fair, good, or excellent credit credit cards once again. |
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