i have bad credit but want a credit card any body got any ideas how i can obtain one?

Answer 1

get a secured credit card. they will probably only give you about 300 credit, but then you can start to rebuild your credit

Answer 2

You can get a secured card to start out with if your income is too low to be approved for a "rebuild credit" credit card.

If you have an income of, say, $1000 or $1200 a month, you can get one of any number of cards aimed at rebuilding credit. They charge you quite a chunk for the privilege of the card (its like $150 in fees and a $300 credit limit in the beginning, which leaves you without much available credit until you pay it down; but if you manage the account well they'll increase your limit). If you get one of these cards and manage it well they'll increase your limit (sometimes regularly), and you'll begin to get offers for better cards as well. Your aim should be to eventually get a low-fees/low-interest card, but I know someone who just got one of these cards and kept it for years and years and let the credit limit grow. You can do that if you want to, especially if you're just going to use the card for emergencies and pay it off fairly quickly.
There's no problem with interest charges if you pay off a balance immediately and on time.

Here's some names: Aspire Card, Imagine Card, Rewards 660, Centennial, Legacy Visa, Orchard Bank. Do a search for "bad credit credit cards", and you should come up with some.

If it were at possible for you to get a checking account with reserve credit or else a personal loan you could put some money in savings and put a few hundred on a secured card. Paying the reserve credit on the checking or paying the loan, as well as paying down the secured card, would give you a couple of extra good payment histories on file.

One other option: If you just need a Mastercard or Visa for general purchasing or maybe online purchases, you can get a checking account that comes with an ATM card with a Visa or Mastercard logo that can be used anywhere those cards are used.

Answer 3

try starting out with a secured credit card. You'll have to send them a certain amount of money as insurance so that if you don't pay your balance they can take your deposit. Just remember to get a secured credit card that reports to the major credit bureaus. You can do a google search for secured credit cards and you should get a ton of response. After about a year of using this credit card and the positive activity on your credit report you can apply for an unsecured credit card.

Answer 4

I had the same problem not too long ago. Try a card like First Premier Bankcard or one like it. The down side is that they'll only give you a $250.00 credit limit, and the card will come with about $200.00 in fees on it! They charge you for making online payments, plus there's a $6.00 charge a month just for having the card. But if you have bad credit and want to rebuild it that would be my best advise. I've had it for a little under a year and I just started getting approved for "real" credit cards. It's worth a shot if you're willing to deal with the hassle. Good luck!

Answer 5

I found a solution that worked for me. It might work for you too.

I had some pretty serious credit problems…some were not my fault and, I guess, a few were. I listened to the so-called “experts” who said they could fix my credit report and I spent money I didn’t have. I didn’t have any luck trying to get my credit report fixed.

I remember paying for the services that these Credit Repair Companies had to offer. The companies told me that they could have negative items removed from my credit reports without any problem, Yeah, right. This did not happen at all. Most of the companies wanted to charge me a set up fee anywhere from $39 to $299 for their services. Not only did they charge this set up fee, most of them also wanted to charge me from $29 to $49 monthly while they “attempted” to repair my credit report. These companies offered no guarantee that their services would actually work and, believe me, they didn’t.

I was about ready to give up when I found a lady who had been through the same thing and who had found a solution. She figured out how get all the negative items removed from her credit report within 3 months without paying anyone a penny. She developed a fast, easy, step-by-step process that she guarantees will work for everyone. She sells the complete plan with all the help and instructions for $47.00.

I know what you are thinking…”another $47 down the drain,” and that’s kind of what I was thinking too. But, I figured that since she offers a 100% money back guarantee I had nothing to lose.

Well, I tried it and it was amazing. I got all of the negative items removed from my credit report and my credit score went from 553 to 715 in only 3 months. All I can say is that it worked great for me. I suggest you check it out. You can always get your money back if it doesn’t work for you. If it works even half as well for you as it did for me you will never even think about asking for a refund.

The information is on this site: http://clean-credit-secrets.com/

Answer 6

OK i don't have bad credit i had No Credit at all which is just as bad !! When i tried for card's i always got turned down because i didn't have a credit history so what i did was get my Bank to get me a VISA they sent in the application.I asked for a small amount to start($1000) now I'm up to $10,000 and i now have a VISA Gold card...Once you get a major card and you make your payments then you can get any other card you want.

Answer 7

Join a Credit Union, and put some money in a savings account and then apply for a 500 dollar card.

Answer 8

Ask yourself.. why would someone want to give someone with bad credit, a credit card?

Sounds like you need to stay away from credit cards and go all cash.

Answer 9

Victoria, try to work on cleaning up your credit before getting a credit card. With another card, you are just sinking further. You are a risk to lenders presently with bad credit.

If you would like to clean up your credit, I have suggestions for you. First thing of course would be to cut up the credit cards and make a commitment to never charge again. Then follow the following plan.

Make a list all your debts by amount you owe from smallest to largest. Then begin by paying the "most" amount you can each month to the smallest debt with the idea of paying it off quick. Then, only the other larger debts on your list. Continue doing this every month until you have the smallest one paid off. Everytime you pay off a debt, call the company and tell them to close the account ... that you paid off the debt and that you do not want to leave the account open. They will try to talk you into leaving the account open. Don't do this as it is too convenient and you will be tempted and will sink into debt again. You then start paying the most you can on the next smallest debt in line and go on from there until you have each paid off. Every time you get any extra money, whether it be $5, $10 or more, apply it against your debt even if you have already sent in a payment. You can send in payments more than once a month. Don't go out to eat. It's "beans and rice, rice and beans" as Dave Ramsey always says (which just means cheap meals). Also do things to make money like garage sales, sell on eBay, get a second job, anything to help you get money to apply toward that debt. It's not about obtaining the best credit score, it's about eliminating the debt.

You can get more help on how to accomplish this by reading and listening to Dave Ramsey. He has a talk show which you can hear on line through his archives, or live by entering your zip code and find out what time of day his show airs. Plus there is a lot of reading material on his site to get you started. In addition, he has forums from his site to get help and advice from other people who are in debt. Dave has been there (with debt) and knows what it is like and is now helping people to get out of it. There are people that have followed this method with over $100,000 in debt and have gotten it paid off without going through bankruptcy and without getting some debt help company to do it for them. Have an open mind and be willing to sacrifice in order to live a stress free life with no debt.

Dave's website link is below.

I hope this information helps you and you get the relief you need.

http://www.daveramsey.com

Answer 10

get secured credit card for 200$ and you can do it online go to orcherdbank.com i got it and my credit is ok know then i got other credit card