does anyone know?

Question

Is there a credit card out there ro help build bad credit if so what is it called oh by the way i dont have a bank account.

Answer 1

Any credit card can help you increase your credit rating over time provided you make the monthly payments or better yet pay the card off each month. However most cards will require that you have a bank account.

The trick is to pay bills with the credit card and then before intrest is added pay off the card. This not only helps you to billed credit. It also gives you a one sorce document to prove that you have paid your bills.

Answer 2

Im not sure what names they are, but you can start with a prepaid card, thats one inwhich you deposit money, like a checking account, and then use up to the prepaid limit. If they can see you can handle that, then they often will begin you with a limit of going over what you have deposited by 50 dollars, and as long as you keep them paid on time, slowly they will increase the limit. Just put in a search engine, How to build credit. Or secured credit cards, Or credit cards for bad credit, and see what you find. good luck

Answer 3

OXYMORON.... CREDIT CARD DESIGNED TO HELP.


No credit cards are out to help. None.

Your best bet is to go with a credit union.

Credit cards operate under a special branch of our government. The branch is COMPLETELY pro credit card. Why? Cause they think it stimulates our economy. No, it devastates our economy. That's why ALL the credit card companies are registered in Delaware. DOn't believe me? Check anyone's credit card by looking on the back at the address.

The only card I remotly tolerate is American Express. Otherwise, they are the devil. The Attorny General of NY has been trying to fight their practices for so long and has only succeeded in making them charge more for the "minimum payment due". Otherwise, they're covering up their bad raps through these "so called special offers". No such thing as a special offer, it's only a marketing ploy.

Answer 4

There is no specific credit card to do that. Like in the case of my husband, he had terrible credit. Nobody would give him a credit card, but over time (some years), one company did finally approve him for one and he has slowly built up his credit with it by making all his payments. He got a card with MBNA, but you can do it with any card, just make sure not to continue with your old habits and don't make any late payments even if you can only send the minimum for that month, do it. You need to let some time pass, 5 to 10 yrs at least. If the laws have not changed, after 10 years you are no longer liable for the debt, but I don't know if they changed that, you should check.

Answer 5

apply for small cards like gas companies offer with low levels of credit like 500 bucks, if you get one use it and pay it off monthly, if you can't get a credit card at all try to find a debit card provider with a debit card you have to put money in and your purchases are taken from that and you repay yourself, those build credit, also if someone in your family is a member of a credit union you maybe eligible to join, if so do it, they will be able to help

Answer 6

Try Orchard Bank. They specialize in people with bad credit.

Answer 7

Just pay your card bill ontime and pay with a few extra bucks, and it should take about 3 to 4 monts for your credit to start getting better.

Answer 8

Try Orchard Bank or Providian. Watch out for extra costs, too high annual fees, etc. Good Luck!

Answer 9

secured credit card at your local branch And open a account

Answer 10

Try Capital One - they require a deposit and may have a high percentage rate, but have been known to issue cards to those in the high risk category.