Prepaid & Credit Cards for People with Bad Credit
Even though some issuers deal with customers that have good credit histories, there are also banks that provide applications for people with bad credit. Browse the offers on our site, choose the card you like most, and apply online!
- Get the credit you need with no processing fees or application fees.
- Automatic reporting to the 3 major credit bureaus.
- Track credit with access to your credit score and other tools.
- Your refundable security deposit can get you a line up to $3,000.
- You may qualify for credit line increases with no further security deposit required.
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- Affordable Monthly Payments.+
- No Annual Fee.*
- No Over Limit Fee.*
- Get respond in 60 seconds.
- No down payments, no layaway and no surprises.
- $500 Credit Limit.*
- Guaranteed Approval.
- No Credit Check.
- Fast Online Application.
- No Employment Check.
- Better than Prepaid - Compare and Save!
- Submit Your Refundable Security Deposit of $300 - $2,000 at Time of Application.
- Just Pay Off Your Balance and Get Your Deposit Back at Any Time.
- Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
- Full-Feature Platinum MasterCard® Secured Credit Card.
- No issuance fee online.
- No credit check or bank account required.
- Use everywhere MasterCard® debit is accepted.
- $10 bonus with qualifying Direct Deposit (for a limited time only).
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- Similar to a checking account with a Visa prepaid card.
- Save up to $220 compared with other cards, the first year alone.
- 100% approval with no credit check and no activation fee.
- $0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise).
- Free Direct Deposit from employers or deposit cash at 50,000 retailers.
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- $0 Monthly Fee.
- 100% Guaranteed Approval.*
- No Credit Check.
- Free Direct Deposit.
- Now with Purchase Rewards.
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- Get Your Premium Benefits:
- Free Credit Score Tracker.
- Free Direct Deposit - paycheck, benefits, tax refunds.
- No Credit Check, no Overdraft Fees or Balance Minimums.
- Unlimited Online Bill Payment & Check Writing.
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- No Monthly, Annual or Purchase Fees.
- Direct Deposit.
- No Overdraft, Inactivity or Foreign Exchange Fees.
- Purchase Protection.37
- Fraud Protection.
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Credit Cards for Those With Bad Credit Histories
When you have struggled with credit problems, you might hold out little hope of ever getting a credit card again. However, if you have bad credit getting one is not impossible. In fact, applying for the right card, created just for those of us who have had credit problems, can help your credit history.
If you have bad credit and are looking for a credit card, make sure that the card issuer reports your activity to all of the major credit reporting agencies. If you are working on rebuilding your credit, it will be important that you make payments on time to all of your creditors, maintain your balances under the credit limit, and that your payment history gets reported to the credit bureaus. If you are looking for a credit card for those with less than perfect credit, you may want to apply for a secured credit card, or a range of fee-based unsecured card offers.
Look for a card that offers payment terms and benefits that meet your financial needs. While there may be many offers and promotions for those with a bad credit history, not every card will be right for your situation. There are several different companies that offer special deals especially for those with past credit problems. Before applying for a card, make sure you understand the terms and conditions. Understanding your responsibilities as a cardholder is important so that you know what kind of commitment you are making. Improper use of a credit card can damage your credit even more.
References
- Credit Repair: How to Help Yourself
- What's your credit score?
- Get credit counseling: Financial Planning Association
- To find a local credit counselor, try The National Foundation for Credit Counseling's DebtAdvice.org
- For a list of approved credit counseling providers, please check the U.S. Department of Justice
* See the online credit card application
for details about terms and conditions. Reasonable efforts are made to
maintain accurate information. However, all credit card information is
presented without warranty. When you click on the "Apply"
button, you can review the credit card terms & conditions on the
credit card issuer's website.
