How to get a bad credit card
Have bad credit and need help finding a company to issue you a credit card? There are lots of reasons your credit score may be low. Sudden reduction of work, forced retirement, sickness, and prior miss use of your credit will give you a below desirable credit score.
What brings your credit report down
- late repayments
- charged off accounts
- collection accounts
- maxing out your no credit check credit cards limits
are the most frequent ways that your credit score drops. The only things you can do is to seek the services of a credit repair company (or fix your credit yourself) and start using good credit habits.
However, you desire a credit card now. So what to do?
You should look online for companies that will accept people with bad credit. Believe it or not a lot of bad credit clients start by applying for just any credit card that results in their desk. And are surprised when they get declined.
Looking for credit this way will only further damage your credit. Each time you apply for a credit card, your credit score will go down, UNLESS the organization is pulling a "soft" take. A soft pull means that's it will not affect your credit, it can the sort of pull that happens when you pull your own credit. But most credit card companies will do a "hard pull". So unless it says "soft pull" assume it can be a hard pull.
Getting bad credit lenders
You need to look for resources like BadCreditResources. junto de which list many of the bad credit lenders that you can find online. If you are searching for a bad credit card or if you are buying a bad credit personal bank loan.
You should also do a search on yahoo for the term "sub prime lender". These lenders got a bad reputation a few years ago when some companies attended far and issued loans and credit cards for people with bad credit at outrageous rates. Many of those companies have been put out of business.
Some other good conditions to search for a bad credit card would be:
bad credit playing cards
no credit check credit cards
unsecured credit cards for no credit
bad credit playing cards
credit playing cards for folks with bad credit
If you want to be successful in getting a new credit card and starting to rebuild your credit. You need to be wise in where you apply. Many of the primary banks do no have unsecured bad credit playing cards. So walking into BofA knowing you have a decreased credit score and trying to get their credit card is not a good thing to do. You will just lower your rating, and get rejected. Stick with the companies that WANT to finance you. Make your credit and once your credit score is around a 680 start buying good credit card.
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