i have a bad credit rating amd cant get a credit card for emergensies can anyone help me?

Question

i have three kids and by myself so i realy want it for emergencies. Or to use it when i have limited cash.. HELP

Answer 1

there you go : http://simple-credit-cards-and-loans.com/

Good luck !

Answer 2

Secured credit cards can be an effective way to build or re-establish your credit history. However, some marketers of secured cards make deceptive advertising claims to entice you to respond to their ads. Here are some things you may wish to keep in mind. Secured and unsecured credit cards can be used to pay for goods and services. However, a secured card requires you to open and maintain a savings account as security; an unsecured card does not. The required savings deposit for a secured card may range from a few hundred to several thousand dollars. The amount you can charge on your card is a percentage of your deposit, typically 50 to 100 percent.
apply online at : http://www.card-city.com/index.html and get instance approval.

Answer 3

Depending on your credit score (If it's 550 or above). You can try Orchard Bank, My First Premier Bank or Tribute Credit Card. You can apply online also and get instant approval. Orchard offers a secured credit card too. My First Premier Bank charges many fees, however it is a good way to build up your credit. Credit one may be a choice too.

I read Lous C's answer. He is correct. I added my 18 year old as an authorized user to one of my CC accounts. They added onto his credit report my 1 year of good standing and timely payments of this card. He applied for a Citi Bank Visa and was approved for $1000.00 credit limit with his part-time job at a ski resort!

Answer 4

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!

Answer 5

I would call bank of america 1 800 732 9194.
They gave me a credit card and it only took 3 days for them to approve it.
I would suppose it would depend on how you define bad credit...
but mine is not great and they were awesome when I applied, gave me an answer in three days!

Answer 6

The only way to get a credit card while you have bad credit histort
Capital one
so logon www.capitalone.com
good luck im sure this gonna help

Answer 7

Well, if you can, save money for emergencies. That way, you can better manage your cash. Credit must be paid back eventually. But of course, credit cards can help if used wisely. The only way to rebuild credit is to show that you can use it wisely.

One thing I would strongly urge is to avoid payday lenders, if they are present in your state (many states do not allow payday lenders). And of course, a better paying job might help. The more income you get the better, and cutting expenses will help too as long as they are nonessential expenses.

Answer 8

PIGGYBACKING: Despite its' virtually
unlimited potential, piggybacking is
not used by nearly as many consumers as
it should be. It's easy, effective,
and extremely fast. Unfortunately,
it's mostly used among parents and
siblings while those who can really
benefit stay in the dark.

How it works. Almost every credit
card or credit account will allow the
primary account holder to add on (at a
later date) what's known as an
"Authorized User" or "Secondary Account
Holder". In most cases, when this is
done, the entire account history
(retroactively) gets posted to the
authorized users credit report
regardless of their current age or
credit history!

For example. If it's a credit card
with a $10,000 limit which has been
paid as agreed for the last 10 years,
then that complete history will be
posted to the authorized users' credit
report. I once saw a clients' credit
report who used this technique with his
mother. He was only 24 at the time and
he had a $15,000 Gold credit card on
his report with history going back 11
years! I laughed as I thought to
myself that this kid would have had to
be approved when he was 13 years old
for this account to be his!

As you can see, this strategy is
usually only used by parents and their
children and in most cases with no
regard to the benefits the children are
reaping credit wise! In fact, in
recent years, due to its'
effectiveness, this technique has led
individuals with excellent credit
scores to "rent out" authorized user
accounts on one or even multiple credit
cards in return for a fee! I once
recall seeing an ad in USA TODAY for
just such an opportunity. Like most
good credit loopholes, I'm sure this
methods' days are numbered much like
what may be the case with...



For more information on the CREDIT
SECRETS BIBLE you may visit:

http://gaby1221.niesong.hop.clickbank.net

Answer 9

How about this..... SAVE up a few thousand dollars for emergency. That way your credit rating won't get worse.

Answer 10

You should check out my website to get great offers for credit cards. You will be able to find a company that will approve you.
I will have to put my web address up and down so yahoo will not cancel my answer.
http://
www.
freewebs.
com/
whowantstoberich