Are you interested in applying for a credit card? Do you have bad credit? Are you worried that this could hinder your ability to obtain a credit card that suits your every want and need?
It goes without saying that excellent credit improves your ability to obtain the credit card of your choosing. Unfortunately, many people come to find that their credit score is considered “bad” or “poor.”
If you find yourself in this position, you aren’t out of luck. Instead, there are steps you can take to get approved, even if your credit score is at the bottom end of the scale.
Here are three things you absolutely need to do:
Check Your Credit Score
It’s one thing to assume you have a bad credit score, but another thing entirely to know for sure.
The best way to check your credit score is online, such as by visiting myFICO.com or one of the three major credit bureaus (Equifax, Experian, and TransUnion).
Once you know your credit score, it’s much easier to get a clear picture of the credit card offers you’ll qualify for.
Apply for the Right Kind of Card
Every credit card has a set of eligibility requirements. You must become familiar with these before you spend your time completing an application.
There is no point in applying for a credit card that requires good or excellent credit. Sure, it may be fun to see if you can obtain an approval, but it’s unlikely. Not only are you wasting time, but completing too many applications can have a negative impact on your score (and that’s not something you need right now).
So, as a general rule of thumb, stick with credit card offers designed for people with bad credit.
Don’t Shy Away from a Secured Credit Card
This may not be the ideal situation, but a secured credit card has many benefits.
As the name suggests, this type of card requires a security deposit equal to the credit limit.
When applying for a secured credit card, make sure it reports to all three major credit bureaus. This is important because a good payment history will have a positive impact on your score, thus allowing you to apply for an unsecured offer in the future.
Don’t Panic
A bad credit score is no fun. Fortunately, it’s not something you have to live with for the rest of your life.
As long as you are patient enough to compare a variety of credit card offers, you should be able to find one that suits your financial situation. From there, you can use the card for the time being, waiting for the day when you can “upgrade” to a better credit card.
Do you have any experience applying for a credit card with bad credit? Were you able to find exactly what you were looking for? Share your personal approach and top tips in the comment section below.
please help me get approved for sn unsecured credit card.i paid off all the bills ive been getting from collection agencies
please help me get approved for an unsecured credit card. i paid off all my debt collection bills quickly and want another chance and to rebuild my credit amoung other things
I’m 51 years old and Afraid that without a credit card I might find myself one day able to pay for something important such as getting myself out of a hole should I become ill or paying for a car repair that’s too expensive out-of-pocket please help
Please help me get a credit card i really need to build up my credit so i ask you for a chance too get a walmart credit card
I can help you.its easy call or text me
Please help me get an unsecured credit card I have bad credit but am needing a credit card desperately. I am trying to find a way to get one but am having no luck. If I could get an unsecured one I am sure I can then get myself straightened out and then fix my credit and score. I am very willing to make payments every month and on time. I am on a fixed income, monthly. I am struggling to because there are times I need important things but have no way to purchase them many times. If I had an unsecured credit card I promise to pay for it in payments and to work on my past bad credits. If just given the chance and opportunity to get an unsecured credit card I will prove I am worthy. Thank you very much. I hope to hear a good and positive reply from you. Sincerely, Kate Spaulding
Want can I do to get credit card right now
Help me get a Walmart card please . I’d like to get my credit fix
I can help you , its easy give me a call better yet shoot me a text
Please help me, I’ve been turned down by everyone I have poor credit
Please help me get an unsecured credit card I have bad credit but am needing a credit card desperately. I am trying to find a way to get one but am having no luck. If I could get an unsecured one I am sure I can then get myself straightened out and then fix my credit and score. I am very willing to make payments every month and on time. I am on a fixed income, monthly. I am struggling to because there are times I need important things but have no way to purchase them many times. If I had an unsecured credit card I promise to pay for it in payments and to work on my past bad credits. If just given the chance and opportunity to get an unsecured credit card I will prove I am worthy. Thank you very much. I hope to hear a good and positive reply from you. Sincerely, Kate Spaulding
Please help me get a credit card my credit isn’t good but I’ve been working on it to get it built up am on a fixed income and I pay my bills once a month I don’t let any go without paying them I just need someone to give me a chance to prove myself I will make my payments on time on the due date I’ve been trying to build my credit score up but no one will give me the chance to prove I can get it back on track I’m on disability and I draw a check every month won’t you please help me find a credit card that would accept my ability to be trustworthy I will not get behind on any account I always pay my bills on the 3th of the month every body deserves a second chance to prove their selfs thank you Ms kay h Smith
Please help me get approved four a Wal-Mart credit card.
Plz help me get a card
Can someone help get me a credit card..I have bad credit
I need to get a Walmart card I have poor credit I’m on my moms card to help rebuild credit and faithfully make the payments . I’m on a fixed income and need this for emergencies how can I get one I have not filled out a app yet or any visa/MasterCard unsecured
Will you please help me find a good credit card company to accept my trustworthy of giving me a chance to prove myself that I will make my payments on time I will not be late in making my payments if my payments fall due after the third of the month I will make sure it’s paid on the third of the the month am just asking for a chance to prove myself thank you Kay
I need the credit card for 500.00 for food and water an to get my husband back in to U A S from Germany an we will have it pay back in 3 weeks I’m am diabetic and I have no money to get food at this time to eat
I’m 51 years old and Afraid that without a credit card I might find myself one day able to pay for something important such as getting myself out of a hole should I become ill or paying for a car repair that’s too expensive out-of-pocket please help
I would really like to get approved for a wal mart card .
Please help me get an unsecured credit card,!! I have poor credit and have not had much luck.
Please, please someone help me to get a credit card. I’m 61 years old, a widow, and struggling like crazy. Please help me out. Thanks so much!!!!! 😉
I have tried time and time again to apply for a credit card over the past 10 years. Because of two credit cards that were never paid off that had low payments my credit is now completely ruined. I would just like to be able to start off with $1,000 credit limit and pay it off just so I can build my credit back up. I cannot afford to put down a deposit of more than $25 to get a credit card is there any way possible you can help me find the right card for me