Bad Credit Credit Cards - ApplyNowCredit.com

Credit Cards for Bad Credit

There’s nothing more frustrating than learning that you have bad credit, as this can bring a number of financial challenges into your life. Rather than give up, it’s time to begin your search for credit cards for bad credit. There are secured and unsecured offers to choose from, both of which are available through a variety of credit card issuers. If you have bad credit and need to make a change for the better, search through our list of credit cards for bad credit.

Bad Credit

Total Visa® Card

Intro Purchase APR

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Annual Fee

See Terms*

Rewards Rate

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Credit Needed Limited Credit
Regular Purchase APR

See Terms*

Credit Brand Visa

Bad Credit

Surge Mastercard® Credit Card

Intro Purchase APR

N/A

Annual Fee

See Terms*

Rewards Rate

N/A

Credit Needed Fair Credit
Regular Purchase APR

See Terms*

Credit Brand Mastercard

Bad Credit

Fit Mastercard® Credit Card

Intro Purchase APR

N/A

Annual Fee

See Terms*

Rewards Rate

N/A

Credit Needed Fair Credit
Regular Purchase APR

See Terms*

Credit Brand Mastercard

Bad Credit

First Access Visa® Credit Card

Intro Purchase APR

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Annual Fee

See Terms

Rewards Rate

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Credit Needed Limited Credit
Regular Purchase APR

See Terms

Credit Brand Visa

Bad Credit

Milestone® Mastercard® – Bad Credit Considered

Intro Purchase APR

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Annual Fee

$35 - $99*

Rewards Rate

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Credit Needed Bad Credit
Regular Purchase APR

23.9%

Credit Brand Mastercard

Bad Credit

Net First Platinum

Intro Purchase APR

0%

Annual Fee

0.00

Rewards Rate

N/A

Credit Needed Limited Credit
Regular Purchase APR

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Credit Brand Other

Bad Credit

Credit One Bank® Unsecured Platinum Visa®

Intro Purchase APR

n/a

Annual Fee

$0 - $99

Rewards Rate

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Credit Needed Bad Credit
Regular Purchase APR

19.99% - 25.99% Variable

Credit Brand Visa

Bad Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

Intro Purchase APR

n/a

Annual Fee

$0 - $99

Rewards Rate

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Credit Needed Bad Credit
Regular Purchase APR

19.99% - 25.99% Variable

Credit Brand Visa

Bad Credit

Indigo® Mastercard® for Less than Perfect Credit

Intro Purchase APR

N/A

Annual Fee

$0 - $99

Rewards Rate

N/A

Credit Needed Bad Credit
Regular Purchase APR

23.9%

Credit Brand Mastercard

Bad Credit

Official NASCAR® Credit Card from Credit One Bank®

Intro Purchase APR

N/A

Annual Fee

$0 - $99

Rewards Rate

1%

Credit Needed Bad Credit
Regular Purchase APR

19.99% - 25.99% Variable

Credit Brand Visa

6 Things To Do If You Have a Bad Credit Score

If you find that you have a bad credit score, such as after applying for a loan, it’s natural to feel dejected. While you’ve made some mistakes in the past, there’s something to remember: you can make changes for the better in the future. It takes time to boost your credit score, but with the right strategy in place you can begin to make progress in the near future. Here are six things to do if you have a bad or low credit score:

1. Check Your Credit Report for Accuracy

Believe it or not, there could be at least one mistake on your credit report that’s dragging down your score. By reviewing your report for accuracy, you can pinpoint any mistakes and then bring them to the attention of the appropriate credit bureau(s). It’ll take some time to review every last detail of your credit report, but it’s better to be safe than sorry.

2. Pinpoint Your Mistakes

What’s the reason for your bad credit score? Maybe you’ve defaulted on several loans in the past. Or maybe you’re in the habit of paying your bills a couple months late. You can’t do anything to change the past, but you can pinpoint your mistakes with the idea of avoiding them in the future. Don’t be afraid of what you’ll find. Own up to your mistakes and vow to never let them impact your credit score again.

3. Create a Budget

Do you know how much money you earn every month? Do you know how much money you spend? With a budget in place, it’s much easier to avoid financial mistakes that impact your credit score. Tip: review and change your budget as necessary, as your income and expenses aren’t likely to stay the same forever.

4. Continue to Use Credit

A bad credit score may force you to believe that you should cancel all your credit cards and avoid new loans. While you don’t want to bite off more than you can chew, it’s a mistake to run the other direction. Using a credit card is a great way to improve your score, as long as you make minimum payments as required. Just the same, you can improve your credit score by securing and paying on installment loans, such as an auto loan.

5. Don’t Go Crazy With Credit Applications

As noted above, using credit is one of the better ways to show that you’re a responsible consumer. Unfortunately, if you go overboard in regards to credit applications, it can bring down your score. There’s nothing wrong with applying for one credit card or loan every now and again, but too many hard inquiries is a big no-no.

6. Give Yourself Time

You want nothing more than to rid yourself of a bad credit score, but setting an unrealistic goal will only make things worse. It can take many months to see positive results, so give yourself all the time you need to reach your goals. Setting unrealistic goals can lead to disappointment, which may result in you giving up despite the fact that you’re on the right track.

Conclusion

A bad credit score doesn’t have to follow you for the rest of your life. When you take these six steps, you’ll find yourself making progress and closing in on a better score.

General Disclaimer

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Editorial Note

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