Bad Credit Credit Card

Bad Credit

Credit Cards for Bad Credit

Bad Credit

If you have no credit or bad credit, you will have a difficult time trying to get approved for a store credit card.  You will be limited to credit card optioins.  Secured credit cards are the best for trying to rebuild your credit score because they report to the credit agencies. Prepaid credit cards are easy to get approved however they will not report to credit agencies and therefore will not help to improve your credit score. Always look for a low fee and lowest APRs, and build your way back up to good credit. If you are looking for a personal loan with a 500 credit score, try applying to 100Lenders.

Milestone Credit Card

The Milestone credit card is a great card for people with bad credit. It has become the best unsecured credit card for poor credit. The Milestone Gold Card is available in a black color design and is available everywhere MasterCard is accepted.


  • Pre-qualifying is quick and easy and will not affect your credit score
  • Choose Your Custom Card Design
  • Free 24/7 Account Access & Bill Pay

Apply for a Milestone Gold MasterCard®

Horizon Gold Credit Card

Credit Cards for Bad Credit

If you are looking to rebuild bad credit, become a compulsive shopper or indulge in retail roadtogoodcredittherapy and your bad credit will be restored with time. Sounds crazy doesn’t it? Read this article to find out how it works.
Although store credit cards offer lower credit limits as compared to standard credit cards, if managed properly, they can help you improve your credit score.

Store Credit Cards for Bad Credit

Store credit cards for bad credit could have a credit limit as low as $50. They are specifically designed for people with bad credit – by charging and paying off quickly, they can build up their credit.
Retail store credit cards are less stringent in their credit score prerequisites. It is highly likely that you will get approved for a store credit card even if you were denied a standard credit card.

How to manage a credit card for bad credit

Keep Your Balance Below 30%
It is beneficial to always keep your balance below 30% of the credit limit on any type of credit card. The amount you owe compared to the available credit limit is called the utilization ratio. Keeping the utilization ratio as low as possible will boost your credit ratio. For instance, if your store credit card has a credit limit of $1000, never carry a balance that surpasses $300 ($1000×30%).

Make Occasional Small Charges

This is an even better strategy for using store credit cards for bad credit. When you make infrequent small charges on your retail credit card that you can pay off in full every month, it shows that you can manage credit wisely. With time, the store might offer you higher credit limits. This will further improve your credit scores if you keep your payable balances to the minimum.

Best Secured Credit Card for Bad Credit

It is a type of credit card secured by an upfront refundable deposit owned by the cardholder. Generally, the card holder must deposit between 100%-200% of the total amount of desired credit limit. This deposit will be used to pay your debt if payments are not made on time.
By managing your secured or unsecured credit cards wisely, keeping low amount payables and paying off debt regularly, you can improve your credit score significantly over time.
Office Depot, Staples and Macy’s are a few retail store chains that offer store credit cards for bad credit. These store credit cards are easy to get approved for and also report to credit bureaus.  There are many credit cards that offer instant approval credit cards for bad credit.

 

Two critical factors that consumers consider before applying for a credit are ongoing Annual Percentage rate (APR) and the annual fees. If you have a low credit score, you might be looking for bad credit credit cards with no fees to boost your…..Read More

Best Unsecured Credit Cards for Bad Credit



Milestone® MasterCard® – Unsecured For Less Than Perfect Credit



Indigo® MasterCard® for Less than Perfect Credit



Indigo® Platinum MasterCard® Credit Card

Best Dept. and Store Credit Cards

Searching for the best department or store credit cards can be time consuming and confusing. Here at StoreCreditCards.org we have designed a financial advice website built around the best store credit cards. Review our learning center, store and department store pages.

 

 

Best Cards for Bad Credit

Do you have bad credit? Don’t worry we put together an informative information so you can make the best comparisons for a credit card if you have bad credit. Visit, credit cards for bad credit, poor credit or no credit at all.

So what if your credit and not perfect or pristine? If you do not have the best credit you still want to find the best credit card available for the credit rating you may have. To do this its best to find out what your credit score is.

Best Ways to Check your Credit Score for free

To find out what your credit score is without breaking the bank try some free credit report companies available online. The two we highly recommend is Credit Karma and Annual credit report.

Credit Sesame is a consumer platform that will help you with your financial goals. It offers free credit score without using a credit card. No monthly fees.

Credit Karma is available to users for free because it can supplement costs by making money by customers applying for credit cards and advertising income.

Annual credit report is a free program run by the government that will give you your credit report free once a year.

Best Credit Cards Online

 





READ ARTICLES ON BAD CREDIT

  1. Learn About How Bad Credit Credit Cards Work
  2. Top Three Credit Cards for Bad Credit
  3. Fix Your Bad Credit
  4. How to fix Bad Credit After Bankruptcy
  5. 7 Things You Need To Know About Bad Credit
  6. Credit Repair: How to help Yourself
  7. Download the Credit Repair PDF

View ALL Store Credit Cards

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