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Bad Credit Credit Cards - Prepaid, Secured, or Unsecured
Bad credit, credit cards are just like regular credit cards but with much higher interest rates and usually an annual fee, sometimes $50 a year and higher. Bad credit, credit cards can save your credit or make it worse if your not careful. Bad credit cards with guaranteed approval are available, but usually these types of bad credit cards charge twice the amount in fees and interest rates. The average consumer needs to be sure they are mentally and financially able to take the responsibility of credit once again, before applying. Debit Cards To get a debit card you need to open an account with the bank of your choice and make a deposit to the account. The bank is not actually giving you any credit at all.
The purchases that you make with the debit card are taken from the funds that were deposited into the account, be aware that most banks do not report debit card activity to the credit bureaus. Most credit experts recommend that you start rebuilding your credit from secured bank credit cards, and then in time when your credit starts to improve switch to unsecured ones. Orchard bank and First PREMIER bank are just a couple that have great options for repairing bad credit. Credit Card Deals Bad credit credit cards are considered the best choice for credit card deals if your credit score is below 550. In today's market there are many companies offering credit cards that are specifically designed for those who have less than a perfect credit score.
Make sure you take your time to compare bad credit options thoroughly. once your credit score reaches the 650 range, you will be eligible for some of the best interest rates and lines of credit. There are a few different types of bad credit credit cards available today: Prepaid, Secured, and Unsecured. Secured credit cards for bad credit usually have much better interest rates than unsecured cards for bad credit. Most APR rates on bad credit cards are very reasonable offered by credit card companies considering the risk they take on bad credit applicants.
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