Elizabeth Y asked:


At this time last year me and my husband lost our jobs. Our credit cards were charged off and we almost lost our cars and now we are trying to find a way to build our credit back up but we can’t seem to get approved by any of the on line offers for bad credit? Does anyone know of any credit cards that will give a second chance to people with really bad credit? I need help, any ideas?

DERRICK

Nichole M asked:


i have no option of a cosigner and i have bad credit from using my credit cards to buy books and stuff for school…i need a student loand but i have bad credit and no cosigner.and i already did my fasfa and i didnt get alot from that..ineed more

SHARIE

u dont know me asked:


I have horrible credit due to medical bills from a horrible car accident. yes, i know i should have settled my case with med bills included,i was young. so, anyways..My credit is Horrible! I am getting a good amount of money from my tax returns and want to get a secured credit card. my question is will it help my credit rating even with all of the bad marks on it? i was thinking it would show i am responsible now. I know it will take about a year and i am willing to do that. will i be able to get store credit cards sooner than 1 year/ and any info regarding secured credit cards, like which bank is best, etc would be greatly appreciated. Thank you for those who go out of their way 2 help others !!
sorry, i meant secured credit card

GRAHAM

Max Anderson asked:


People who have had credit problems can tell you how hard it can be to find unsecured bad credit credit cards. Sure, there are advertisements everywhere promising them - but half of them turn out to be scams or issue cards with ridiculously-low credit limits and ridiculously-high fees. Where are all of the good unsecured credit cards hiding? Before you apply for any unsecured bad credit credit cards, there are some things you need to know…

They Are Out There

The first thing you need to know is that there are indeed some good unsecured bad credit credit cards out there. You just need to know what to look for. If someone tells you that you must pay hundreds of dollars for an unsecured card just because your credit is tarnished, they’re trying to take you for a ride. Understand this — you will likely have to pay an annual fee and a higher interest rate, but you do not have to pay an arm and a leg to get unsecured credit.

How Much is Too Much?

As I said above, you are going to have to pay for an unsecured credit card. Even people with great credit have to pay for them. It’s called finance charges. People with poor credit tend to pay more for credit cards than people with good credit. However, you should never pay more than you have to. So what’s “reasonable” as far as credit card costs go?

Any credit card is going to charge you interest. That’s just the way it goes. With bad credit, you’re looking at anywhere from 10 percent interest to 30 percent interest depending on the terms of the card. You’re also probably going to have to pay an annual fee. However, anything more than $50 or $60 annually is too much. And if they want to charge a processing fee and/or application fee on top of the annual fee, run in the other direction. Which brings me to my next point…

How Fees are Paid

While it’s true that there are some good unsecured bad credit credit cards out there, there are also bad ones and then there are the ones that are completely fraudulent. These “companies” will request that you pay your application fee, processing fee and annual fee up front. You send them the money, then they’ll process your credit card application. Nine times out of ten, no credit card ever arrives.

A legitimate credit card company will put any annual fees or processing fees on the card they issue you. They will not require money up front. And if the company says they need up-front money for an “application fee” let them know that the industry has become competitive enough that you can take your business elsewhere without having to pay any application fee at all, even if you do have bad credit.

Bad things happen to good people. Don’t let the credit card companies make you feel as though you deserve abuse just because you’ve had financial problems in the past. By keeping the above things in mind you’ll be able to find the unsecured bad credit credit cards that are right for you.



JANINA

r8rfan925 asked:


I don’t have horrible credit but its not the best.. Is there any company who gives credit cards to people with no credit or bad credit?

LUCILA

kimmy asked:


I was told by my accountant to get a Tax ID number, and open a business credit card to keep better track of my business expenses… I have very poor credit and was wondering if I will be more eligible to have a business credit card that I would use strictly for my business than a credit card open under my social security number… any info will help. Thank you!

GEORGIE

Stars asked:


I’m about to turn 21 years old and I have no credit.I don’t want to get an insured credit card, so that’s out of the question.

My question is, can my mother cosign a credit card for me? Let me let you know, that she has very bad credit, she declared bankruptcy after she failed to pay for her student loans.

So can she still cosign a credit card for me? Will her bad credit affect mine in any way, shape or form? That’s my main concern. Thanks in advance for your answers.

LINH

Skinny Blonde asked:


I just signed up for a Paypal account. I do not have a bank account or a credit card. I have debt and bad credit my only option is a prepaid credit card. I heard the visa green dot does not work because the card doesn’t have the 3 digit authorization number. Does anyone know a prepaid credit card that works to pay a seller for ebay on paypal? What about Netspend cards? Please let me know I really need to pay a seller and a prepaid credit card is the only way I cannot open a bank account I owe the bank money from a past ISF.. please help me out

BENJAMIN

bigslowtom asked:


I have been divorced twice. Due to that and foolish decisions from my youth, I am left with a beacon (more like a flashlight) score of 570. Yamaha credit declined me. I purchased a car in March through Capital One, I have two credit cards with them (all are paid on time, ahead of schedule and way more than the minimum when I have a balance) but they do not finance bikes.
Any reliable sites out there to finance someone like me?
Thanks in advance for the advice.

DANIELLE

tegenallekansen asked:


My credit score is about 500…. is there any companys out there that give credit cards to people with bad credit soley to help build credit. I know there are companys that help people build credit who have no credit.

ROZELLA