Best Credit Cards for Questionable Credit

by | Credit Card Debt, Credit Issues

Life does not always work out as planned. Sometimes, a gap in employment leads to a few missed payments, and eviction, or a repossessed vehicle. These things happen to most people. In order build credit back up, a credit card may help. Making regular payments can help to raise that credit score. A poor credit history can make it difficult to build up credit with a card, but you do have options. As long as your credit is only damaged and not destroyed, then you may qualify for the best credit cards on this list. Here are some of the best credit cards for individuals with a poor credit history.

Compare Credit Cards for Free!

 

Capital One Secured Mastercard | Best Credit Cards

The best secured credit cards tend to require deposits equal to the credit line, but this card allows you to make a deposit of $49, $99, or $200 for a credit line of $200, depending on your credit. This card presents itself as a great option for those not willing to put down a large deposit. If you make the first five payments on time, then you will be able to increase your line of credit. This card requires no annual fee, and Capital One is accepted nearly anywhere in the world. You will have online access in order to make payments and see your balance. As with most of the cards on this list, you will qualify as long as your credit is not completely destroyed.

 

OpenSky Secured Visa | Best Credit Cards

best credit cardsUnlike other cards, the OpenSky Secured Visa does not require a credit check, only a minimum monthly income. While it does have a $35 annual fee, it does not require you to have a bank account. You may pay your bill by debit card, wire transfer, check, or money order. Your credit limit is determined by the amount of your deposit. You will likely pay a deposit equal to the initial credit line, but this card is a great option for those without access to traditional banking services or who have terrible credit, but gainful employment.

Compare Credit Cards for Free!

 

Discover it Secured Card | Best Credit Cards

The Discover it Secured Card may be one the best credit cards for people with bad credit. A security deposit of $200 or more will establish a credit line decided by the company. After eight months, the company will conduct monthly reviews to see if you qualify for a credit line without a security deposit. There is no annual fee, and you may earn up to 2% cash back on spending up to $1000 at restaurants and gas stations and 1% cash back on all other spending. The card also gives you one free opportunity a month to check your FICO credit score. While this serves as the best credit card for those with bad credit due to its benefits and lack of an annual fee, it does require a bank account in order to make the deposit. If you have a bank account, this card would be worth looking into.

Click here for some free help repairing your credit!

 

Digital Federal Credit Union Visa Platinum Secured Credit Card

This card has an APR of roughly half most other cards at 12.50%. This card requires a security deposit equal to its limit, but the interest rate is worth it. This card does not place a limit on how high the credit line may be provided it equals the deposit. You should always try to pay your bill in full each month to avoid pitfalls in rebuilding your credit, but this card is the way to go if you should have a balance. The only issue in obtaining the card is that you must be a member of Digital Federal Credit Union to qualify. Most people have no issue in setting up an account with the credit union, so it may be worth looking into to avoid high interest rates.

 

Building credit with one of these best credit cards may be a great option for you, but you must be careful. You should always ensure that you have the means to pay off the card in order to avoid further credit issues. The card should not serve as a means for paying bills or other expenses, but only as a credit-building opportunity. Never spend more on the card than what you can pay off. If you are in need of credit repair and have the discipline and means to build it with a card, then these cards may be right for you.

Compare Credit Cards for Free!

 

 

Increasing Literacy in Children
Increasing Literacy in Children Literacy is important. This is a fact that cannot be stressed enough. Often, arts and literature are tossed to the side to make way for additional funding in other areas, but learning to read lays the foundation for further education...
A VA Home Loan Can Help You Get Affordable Housing
 Ever since the housing market collapse, lenders have tightened the requirements to qualify for loans. If you don't have the required credit score or enough for a 20 percent down payment, it will be difficult to secure qualification for a conventional...
Lifeline Assistance Program
 There is now a program out there that can even help with your cell phone. The special government program called Lifeline Assistance that offers a free phone and minutes to those who qualify. Getting on the list is not very hard, but there are a few things...
Low Income Families and Educational Help
Low Income Families and Educational Help It is a common perception that only the most gifted students are eligible for grants and scholarships to get them through the final phases of their education, and this then gives rise to the popular thought that those residing...
Tips for Insurance Discounts
Home insurance and automobile insurance might be must-haves, but it doesn’t have to cost you an arm and a leg to have the appropriate coverages. There are things you can do to get discounts on your homeowners insurance and automobile insurance. Here are...
Social Security Benefits & Retirement
Though all Americans look forward to the day when they can kick back in a lawn chair and spend time working in their flower gardens, retirement comes with many burdens. A fixed income or access to a 401(k) may not be enough to supplement the lifestyle many seniors are...
The FHA and Home Loans
 The Federal Housing Administration (FHA) insures mortgages on loans provided through FHA-approved lenders. Since its creation in 1934, the FHA has insured tens of millions of homes for families in the United States. These mortgage insurances protect...
Positive Thinking Can Change Your Life
Positive Thinking Can Change Your Life Enthusiasm Is Positive Energy “No pessimist ever discovered the secret of the stars, or sailed to an uncharted land, or opened a new doorway for the human spirit.” - Helen Keller Enthusiasm is the sunshine of your mind’s garden....
Helping Homelessness with Government Grants
 Poverty and homelessness in the United States and around the world is increasing on a daily basis. Here in the United States, rising housing costs and lower livable wages have been among the 2 biggest contributing factors. Lack of mental health facilities...
Women Grants in The United States
A lot is being granted to the citizens of America in the name of grant scheme. Various categories of financial needs are being accomplished through these grants. Some of the most popular grants schemes ever are the grants for men, grants for women, grants...
Job Hunting at Career Fairs
Are you looking to find a new job or a new career? If you are, you may want to try career day job hunting, as it is a great way to not only find available jobs, but also apply and interview the same day. Looking for new and exciting careers? Click the link below!...
Accepting Failure | Achieve Success
Everybody has a setback every once in a while, but it doesn’t mean that there is anything wrong with you. In fact, accepting failure can be a great opportunity to learn your own limitations and boundaries, then push through them, and provide you with a...
Unpaid Wages Recovery Guide
If you worked for it, then you should get all upaid wages. Everyday can be a struggle and still come up on the short end of the stick. That is why you may be frustrated when you are not paid the money you are owed. Fortunately, there are many steps that you can take...
Social Security Disability Benefits
Sometimes in life, events occur that prevent people from working in order to make a living. Accidents occur and illness strikes at the most inopportune moments. The Social Security Administration may be able to help. They provide disability benefits to...
How A Home Warranty Will Save You Money
A Home Warranty Will Save You Money Owning a home can be expensive. Appliances break down, and air conditioners tend to quit working in the middle of the summer. In fact, most home have a major mechanical breakdown twice each year. Usually, these breakdowns occur at...
Government Assistance for Unemployment
Government Assistance for Unemployment Sometimes, life does not go as smoothly as planned. Fluctuations in the economy lead to periodic lay-offs. Sometimes, a company fails and workers find themselves out of work. Often, an employee and employer simply part ways after...
Which Protection Is Best?
Keep Your Information Safe! Makes A Great Christmas Present! Credit card numbers are sacred these days. We’d never give them out to a stranger because credit card fraud and stolen identities are never more than one mistake away. But what if I told you that somebody...
Natural Antibiotics and Antivirals
The issues of antibiotics and antibiotic-resistant bacteria have gotten a lot of attention lately. The concern is that bacteria, having been exposed to antibiotics for so long, have developed a resistance to the antibiotics, creating "superbugs." The grim reality is...
5 Helpful Resources for Women Who are Expecting
If you are living paycheck to paycheck or struggling to make ends meet, a pregnancy can put a lot of extra stress on you and your family. Luckily, there are single mom resources available to help you if you need some assistance. These programs provide benefits such as...
The Greatness of Good Friday
 What a supreme paradox. We now call the day Jesus was crucified, Good.Many believe this name simply evolved—as language does. They point to the earlier designation, "God's Friday," as its root. (This seems a reasonable conjecture, given that "goodbye"...

Subscribe

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Family Picnic

Enter Your Name and Email for Best Results

Due to the overwhelming response, enter your email for best results. Look for your free ebooks from New Flex Career!

You Are On Your Way!

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Family Picnic

Enter Your Email for Best Results

Due to the overwhelming response, please enter your name and email to ensure the proper search results.

You Are On Your Way!

Family Picnic

Enter Your Email to Receive New Assistance Updates

Due to the overwhelming response, please enter your name and email to ensure proper results.

Thank You! You will now receive the latest assistance updates!

Pin It on Pinterest

The More You Share. The More We Can Help!

Share these posts & pages with friends!