i need one so i can pay off all my debt with low monthly payments, i want to knock them all out so i dont get a collection agency beating down my door..
Answers
- If you have bad credit the worst thing you can have is a credit card. Perhaps the reason you have bad credit is the manner in which you used a prior credit card. Go for a while without a card. Try managing your affairs with cash until you are more disciplined. Apparently you haven't been. No body should shirk their fiscal responsibilities unless you prefer being known as a " DEAD BEAT"
- if ur credit is bad, fix it first. when u apply for credit cards it also lowers ur credit score, so if ur credit score is already low why not make it easier and raise your score first. better to use a debit card from ur bank account. that way u won't have monthly charges, fees (unless u overdraft), and u will not be able to overspend. u can only spend what u have in ur account.
- In my experience there are two types of Bad Credit Credit Cards. One is a secured card, and the other has a much higher rate of interest. Both can be used to rebuild your credit worthiness after getting back on your feet. Secured credit cards are great for rebuilding your credit. You send the credit card company a pre deposit amount set by the company
- Check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates, fees and reward, no matter what kind of credit you have they have the right card for you
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