I Have Bad Credit and Need a Credit Card

I have bad credit and need a credit card, but where to look? When I have bad credit and need a credit card, I can find a variety of lenders willing to provide me a credit line online. Having no credit, or a poor credit score will not slow you down from finding all the convenience and ease of financing with a charge card. We have many more Credit Repair Articles Now Available.

Available Charge Cards for Bad Credit

You will have two options for a charge card when you are shopping with bad credit, namely a secured cards and unsecured cards. These two types of cards are often referred to by other names, but they amount to the same. Some of the names include:

Secured Cards:

  • Stored value card
  • Deposit cards
  • Prepaid cards
  • Pre-load cards

Unsecured Cards:

  • Charge Cards
  • No Deposit Credit Cards
  • Unsecured Charge Cards

Your two options to choose from when looking with no credit amount to whether or not you will have to put down a deposit, or an initial debit, to secure your credit line. A secured card requires you to either make a deposit or begin your account with a debit as collateral for the money you intend to borrow by making purchases. An unsecured credit line does not require this additional security measure but will typically charge higher interest rates to offset the additional risk.

Guaranteed Approvals – Apply Today

There are many easy to qualify for guaranteed charge programs that are willing to provide you another opportunity for building your score and establishing a good credit record. Modern living almost requires the convenience of a handy credit line for making purchases and providing extra security in times of cash crisis. Don’t wait, start to rebuild your financial reputation today. We have many more Credit Repair Articles Now Available.