Select the type of credit card you are interested in.
Bad-credit credit cards allow you to prove to lenders that you can sensibly handle debt. If you use them regularly and repay the balance in full each month you will demonstrate that you are managing credit successfully. This will improve your credit score so you will qualify for better cards in the future – so, in a sense, bad-credit credit cards are second chance credit cards. There are times when it is very useful to have a credit card to pay with, for example if you are buying something over the internet. Also, if you are making a purchase that costs more than £100 it’s always advisable to pay using a credit card as you are protected under the 1974 Consumer Credit Act in the event of the product being faulty or the company you buy it from going bust. You don’t have this protection if you pay with cash, cheque or debit card.
Unsecured Credit Card Bad Credit
Many people with bad credit believe they have put themselves in a position where they will never be able to get a credit card. What they don’t know is there are ways to apply for unsecured credit card with bad credit. Opportunities to obtain an unsecured credit card with bad credit can be found a number of places online, and some are made available by banks or credit unions for their customers. In these cases, the customer must have an established track record with the bank and keep a minimum checking account balance in order to get one of these credit cards.
Bad credit get a credit card
There are a number of people who suffer from bad credit or would have either filed for bankruptcy. These people need to rebuild their credit in order to qualify for any kind of credit in the future. Having bad credit does not mean that you cannot get a credit card. There are a number of options available that help people with bad credit get a credit card.