Things You'll Need:
- Identification
- Knowledge of Credit History
- Secured Credit Cards
- Credit Reports
- Credit Cards And Loans
- Credit Counseling Services
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Step 1
Apply for credit cards at smaller retail stores. Sometimes these companies are more willing to give you a chance. If your application is accepted, make a small purchase and pay at least the minimum payment every month and on time. (If you pay more than the minimum payment, you won't pay as much in interest charges.)
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Step 2
Go to your bank, savings institution or credit union. If they already have your business, they may be more willing to give you a credit card.
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Step 3
Apply for a secured credit card if all else fails. You will be required to open and maintain a savings account as security for your line of credit. Your credit line will be a percentage of your deposit.
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Step 4
Ask a friend or family member to co-sign for a credit card. Remember that their credit counts as well, so choose someone with good credit. If you can't pay back the loan, they must, and it will appear as a blemish on their credit rating.









Comments
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cardz said
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badcreditcard said
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kaddabadda said
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cccindy3 said
on 5/1/2009 tru, if you don't pay your monthly payments, credit companies can charge you all sorts of fees (late fees, over the credit limit fees, etc.) Contact the company that gave you the credit. Most companies are willing to reduce or waive fees to reduce the amount you owe and will let you make payments on that amount. Its important to communicate with them to get your credit back on track. Good luck.