How to get a credit card with bad credit

How to get a credit card with bad credit. Credit cards, when used properly can help repair and rebuild your credit. Learn other ways that you can fix bad credit in our step-by-step instructions.

Instructions

Difficulty: Easy

Things You’ll Need:

• a job or any other source of income

1. First you will need a checking account with checks. So you will need to go to any bank it doesn't matter who it is and open a checking account. Start getting in the habit of depositing your paycheck into your bank account. If your place of employment offers direct deposit, sign up to have your paycheck put in your bank account every pay.
2. go to www.ezcreditcardcenter.com and look for the "bad credit credit cards" tab in the main menu. The top of the page you land on should say EZ Credit Card Center. Then below that it should say "bad credit credit cards" Find any cards by orchard bank. These credit cards are the best to help your credit. They are going to require you to give them your checking account information from your check. This is for payment processing every month.
3. You have 2 options: You can get a card that is unsecured money a bank gives you to spend on a credit card. These cards come with about $150.00 in fees they put on your initial credit line they give you. Usually people get approved for about a $300.00 total credit line. Apply for cards that have Visa or Mastercard logos on them. We recommend any Orchard Bank Cards. These help your credit the most.
4. You can get a secured credit card where you deposit money in a interest baring savings account and they give you a credit card with a limit equal to the amount of money in that savings account. This is meant for people who want to repair damaged credit. Look for New Millennium Bank Platinum Visa.

Tips & Warnings

• When you use a secured credit card you avoid the high fee's that the unsecured cards have with them.
• unsecured cards reward you when you pay on time by raising your total credit line you can't get more money with a secured credit card.
• Cards that don't have a major credit card logo like visa or mastercard on them. These cards are shopping cards. They give you a lot of money to spend at their website or catalog. Don't confuse these with credit cards where you can use them anywhere.