I need a credit card for work expenses, low credit score, where can I get a credit card?

Question

I haven't had a credit card in several years, my new job is very well paying. Credit problems 5 years ago due to divorce and one retailer I haven't cleared.

Answer 1

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Answer 2

Just use a debit card? Surely you can keep enough cash flow to pay your expenses up front and be quickly reimbursed by your employer?

I had a crazy situation once where I didn't have bad credit--I just didn't have any credit. I took the advice of the financial gurus and got rid of all my credit cards, paid cash for my vehicles, and didn't have a home loan or anything. A few years later I discovered I had no credit! I got a department store card, which they'll give to just about anybody, and then a few months later I could have any credit card I wanted.

Funny thing is, my own bank, that could see very clearly that I had made regular deposits for years and always had a good balance in checking and savings, wouldn't even give me a card. I talked to their 800 number though, and they guy was just saying whatever the computer spit out. If I had gone to my local branch and talked directly to the manager I bet she could have made something happen. (It kind of annoyed me so I didn't bother)

There's always those ripoff cards. You could get one and make sure you pay it in full every month, but you have to be careful you don't get one that starts charging interest as soon as you make a charge, with no grace period. In just a couple months you'll be able to get one from a better company and dump that one. I wouldn't recommend that angle though.

No matter what--pay your credit cards in full every month. Never let them have any kind of interest or fees; they already get a cut of the transactions from the vendors. Something like 80% of people simply cannot live by that rule. If you are one of them then stick with a debit card. Paying them interest or fees is a losing proposition. Build up a stash so you don't have to do it even in an emergency.

Answer 3

So, there are always cards available, even to bad credit or no credit. The following site compares several of these. I have provided the link straight to the cards for bad credit. You should be able to find something there that will work for you. This will help build back up your credit score as well. Best of luck to you.

http://www.creditcards.com/bad-credit.php

Answer 4

Head to "US BANK" with some money and fill out papers to open a "secured credit card".

Say you have $1000.oo, you will get a credit card with $1000.oo limit. Each month your will get your bill and each month YOU MUST pay it off in full. Your $1000 sits in the bank like an insurance policy to the bank. You don't pay your bills, they get to keep it. SO SIMPLE.

Pay off your credit card each month for one year then you get to up your limit and get your $1000.oo back. Thus the credit cycle has begun!

Pay off the card IN FULL each month and life will be good !!