If you have really bad credit, and want a credit card to rebuild your

Credit and mortgage advice Forums Consumer Credit Credit Cards If you have really bad credit, and want a credit card to rebuild your

This topic contains 6 replies, has 7 voices, and was last updated by  Anonymous 8 years ago.



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  • #216056

    Anonymous

    credit…..what credit card? I’m trying to get a credit card to build my credit back up….and I have really bad credit….what credit card can I apply for, and get accepted?



  • #278740

    Anonymous

    I highly doubt that to get your credit back the solution is to get another credit card. I think the solution is to first pay off all your debts. Get some credit by paying your bills on time. Credit cards should be the last thing on your mind when you have bad credit.

  • #284288

    Anonymous

    You investigate and see who will allow you to have a credit card that has a 50.00 dollar limit at first. You will have to put 50.00 dollars down in order to use this card. I think it may be called a secured credit card.
    There are places that will help you get back in shape.
    My son has done it twice.. He seems to need to learn the lesson again . but they will help you begin…

  • #285518

    Anonymous

    Send me a e-mail and I will give you a site that I used. Guaranteed 5 – 10k credit line and reports to all three bureaus

    ryan@robertscreditgroup.com

    I also use a site called credit keeper.com to track my credit and make sure I’m doing the right things.

  • #286559

    Anonymous

    Why don’t you pay off your debts and leave the credit cards alone?
    You an only get prepaid cards, which doesn’t do you much good anyway.

  • #287696

    Anonymous

    My guess is that credit cards is what ruined your credit in the first place. Getting another one will only make matters worse, pay off what you owe first

  • #287769

    Anonymous

    First of all, you need to learn how to not live on credit. Secondly, if you think you’ve learned your lesson, you can go to your bank or credit union and apply for a secured credit card. You put money in an account and the card is backed up by that account. If you don’t pay it, the bank keeps your money.

    You can then charge a little to it each month, perhaps for a utility that you need to pay anyway so you don’t overspend. This gets reported to the credit bureaus as a positive payment history. After a while, usually a year or two, they may convert it to an unsecured card and perhaps raise your limit.

    Save money for the things you want and live below your means. Don’t charge things to credit cards that you don’t need. If you want to build history with cards, charge utilities to them, don’t use them for every day shopping.

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