Your credit rating plays a important role when trying to obtain a unsecured credit card. Credit scores range from the lowest at 300 to the best of 850. Having a credit score over 700 will most likely approve you for the best credit card rates available. If your credit score is under 700 don't panic. Most banks only require a credit score of 620 to be approved for a prime mortgage rate. On the other hand, credit cards are more difficult to obtain than mortgages because they are unsecured. If your credit score (FICO) is under 700 you can still qualify for a credit card at a higher rate. The lower your score the higher your interest rate will be.
Even though your credit may be bad, there are still banks and financial institutions that will approve you for a credit card. Depending on your credit rating, the credit card company will determine your total line of credit and the interest rate you will pay.
We have provided a list of financial institutions that will provide you with a unsecured Visa or MasterCard.
Unsecured Credit Cards For Bad Credit
Secured credit cards are a great way to rebuild your credit. Most secured credit card companies require a deposit equal to the credit line your are seeking. Make sure they
report your payment monthly to the major credit bureaus. Making your payments on time monthly will increase your credit rating. You will also get you deposit returned to you after one year, turning
your secured credit card into a unsecured credit card.
We have provided a list of financial institutions that will provide you with a secured Visa or MasterCard.
Secured Credit Cards For Bad Credit
Prepaid Credit Cards are a Excellent alternative for making on-line purchases, car rentals, and hotel reservations. It is also much safer than carrying cash with you.
Although, many charge a small monthly service fee.
We have provided a list of financial institutions that will provide you with a prepaid Visa or MasterCard.
Prepaid Credit Cards For Bad Credit
Student Credit Cards are a great way for a college student with no credit to build a credit history.
We have provided a list of financial institutions that will provide you with a Student Visa or MasterCard.
Student Credit Cards For No Credit
You may want to also read Bad Credit Business Credit Card
You may want to also read Bad Credit Secured Business Credit Card
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