How Can a Student with Bad Credit History Get a Credit Card?

Getting a credit card with bad credit may take some effort.

If you are a student with bad credit or a low credit score, not having a credit card can be frustrating. Nevertheless, you can increase your chance of getting a credit card in a few different ways.

Secured Cards

Secured credit cards are cards that you must first pay a deposit to. Typically, your credit limit will be that of the deposit that you send in. While this may not be ideal since you do not receive a credit beyond what you first deposit, it is a way to have access to a card you can use for online purchases or to pay bills.

Credit History

Keeping all your accounts current and making payments on time will help improve your credit score, which will help you to apply for new cards. Having a good credit history for six months will help you to increase your score, perhaps enough to reapply for a credit card.

Prepaid Credit Cards

If you are looking for a card to help pay online accounts and to pay bills on time, look into prepaid cards. Prepaid cards carry a credit card logo so they can be used just like a credit card, but the money on it can be direct deposited by your job or by adding money at a retailer.

References

• Credit Info Center: Repair