Consumers from all backgrounds struggle with money issues at some time in their life. One of the best ways to rebuild a score is to get positive reports to the bureau. There top credit cards for bad credit might help a consumer do that. Finding the top credit cards for your needs are important, this article will teach you how
If you are thinking about getting a credit card for the first time you may be wondering just what credit cards are and how they work. Credit cards aren't for everyone, check out some of our tips before you apply for a card.
Consumers have the choice of three types of cards; unsecured, secured and pre-paid. The least helpful of the three is the prepaid credit cards. Prepaid accounts do not turn information into the bureaus which means no positive marks will appear on the report. An unsecured account is when a bank extends a card to a consumer without any deposit. The final kind is the secured account. A secured account requires a deposit from the consumer that equals or is slightly lower than the card balance.
Credit cards that offer incentives and rewards have grown to be very popular. Credit card companies are always trying to encourage consumers to open new accounts and offering bonuses such as cash back is a good way to compel people to open new accounts.
The account that offers the best interest rate out there for those with weak history is from Orchard Bank. An APR of 7.9% is well below the standard 14.9%. But they do have a high annual fee of up to $59 which is not charged for the first year. Customers will also have to deposit a minimum of $200 to open it.
The Capital One Secured Mastercard offers the best maintenance fee in the industry, $29. This card is unique because it gives customers a low deposit of $49 for a $200 limit. Because this is a partially unsecured card the APR is a huge 22.9%. This makes a great emergency card but not an every day use card.
You hear a lot today about bad Chicago credit debt consolidation services. The commercials in Chicago and ads online would have you believe that help is simply a click or phone call away.
The Citi Secured Card is a very exclusive card, instead of placing the consumer's deposit in a non interest account it buys CDs with it. Other perks of this card are no monthly fees and a low annual fee. Consumers face a large 18.24 APR on balances.
Many credit repair companies popped up because of the housing market crash of the past couple of years. However there is free credit repair software that can help you fight back, without the costs of a big company.
Open Sky Secured Visa gives consumers a low 9.75% APR, but it does need a $200 deposit. This card charges a high, $50, annual fee. There are also hidden fees when consumers make adjustments to their account.
Mango Prepaid Mastercard is ideal for some one not interested in building their report. Unlike other prepaid accounts they do not have an activation fee. This card also gives consumers a $20 sign-up bonus and does not charge to place more money on the card. Watch out for hidden fees with this company.
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Your history will not change overnight. Positive reports are earned with making payments in time, not using the entire balance and careful use. These top credit cards for bad credit can help consumers get there.
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