Bankruptcy: If you have bankruptcy on your credit report, your credit card selection may be limited. We recommend a stored value, guaranteed credit card.
Poor, no credit or bad credit: Again, your credit card options may be limited, but depending upon the types of entries on your credit report that reflect bad credit, you may still qualify for some unsecured credit cards.
Excellent credit: Excellent credit generally means your annual income is over $30,000, you have been paying all bills on time, and you have at least 3 good credit references.
There are credit cards for all credit types, ranging from instant, guaranteed approval to credit cards that offer rebates and rewards. You can use our credit card search to find prepay credit cards, secured and partially secured credit cards, and gold and platinum unsecured credit cards. Simply enter your credit card search terms in the box above.
Guaranteed credit cards offer unsecured credit with no credit checks and no turndowns, whereas gold and platinum credit cards often require a credit check to prove credit worthiness.
If you have been rejected for a credit card, it's possible that you applied for a card that requires a higher credit rating. In such case, you may want to consider lower limit cards with less frills, and work on rebuilding credit.
If you already have a high credit limit, platinum credit card from a major issuer, such as American Express, Discover, Chase, etc, and are looking for a 0 intro balance transfer, be sure to read the terms when you apply to see if there are any transfer fees, limitations or restrictions, and if the 0 introductory period actually includes balance transfers.
Regardless of good or bad credit or the type of credit card you desire, use our free credit card search engine.
Credit
Card Tips
Credit card companies are taking all
the steps to make sure they will be ready for the new laws in February 2010. Some
companies are ready and others are getting more prepared. Disclosing the terms
and conditions in an easy to understand way is part of the new law.
The
companies usually offer consumers a card that fits their credit type even if it was not the card inquired about. When consumers are offered different cards, they will also get
information about the terms and conditions associated with the card offer before the application is processed.
Cards have different APR information and will state if the APR will apply to cash advances and what can cause it to
rise or fall. Some companies increase the rate when payments are late or the credit limit has been exceeded. Information about
processing fees will be provided and may vary depending on credit worthiness.
Secured credit cards
as other credit cards have different fees, terms, and conditions. Processing fees can range from $0 to $35. Every
company is different and may require low security deposits or high deposits. They can change the APR and can apply payments to
lower APR balances before applying it to higher balances. When seeking a credit card, it is important to read all the terms
and conditions for fees. For example, if you select that you want your credit card delivered quickly, it could cost you.
Make sure you know who your credit card issuer is, their phone number, how they
process your personal information, and if they share your personal information
with third parties. keep all your credit card account numbers in a safe place along with phone numbers in
case you ever need to report a lost or stolen card. Always report lost cards immediately.
Having a credit card is a privilege and the terms and conditions for using the
credit card must be followed.
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
Establish or rebuild bad credit:
Although credit options are limited and more restrictive, there are still ways to establish and rebuild bad credit, including:
