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!

 

 

How Do You Repair Your Credit Score?
How Do You Repair Your Credit Score? You may be bombarded with ads for businesses telling you they can help fix your credit. Many companies say they have some kind of proven method for improving your credit score. However, you should first follow this advice and see...
How To Get The Best Insurance Deals
In most cases finding the best insurance deals is difficult. Since having insurance is a requirement rather than being optional it is a good idea to shop around for the best insurance deals. It’s difficult to shell out the cash for insurance premiums and...
The Most Common Reasons for Debt
 High debt balances can create significant stress, negatively impact not only your future, but it can also impact your health. It can prevent you from enjoying the quality of life that you otherwise may enjoy without the burden of debt payments. While...
Affordable Housing Problems
On 1st Street in Santa Ana — not far from where authorities recently cleared a tent encampment along the Santa Ana River near Angel Stadium — developer Caleb Roope wants to build nearly 1,000 apartments that will be affordable for low-income seniors and...
Save Money When Grocery Shopping
 It is a good idea to be aware of the amount of money that we spend on items when we go grocery shopping on a regular basis. When times are tough, it is this knowledge that can help us to survive on less income than usual, which can help in a big way if we...
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...
Car Loans Approved Today!
Drivers will be excited to hear that the cost of a vehicle has started a downward plunge making it even easier to get the car loans you have always wanted. According to predictions by GasBuddy, the average price for a gallon of gasoline is set to fall...
Walmart Owes Money
Wal-Mart is a nationally recognized big box store offering low prices for customers who have everyday needs. The store employs more than 1.2 million people, and many of them are currently in a situation in which they could receive a big payout from the company for...
The Best Self Help Gurus
In the world today, it is easy to come across scammers looking to take advantage of people in their weakest moments. The realm of self-help is no different. In fact, it can be much worse. Self-help scammers apply abstract concepts so that unsuspecting people will fork...
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...
Disability Lawyers | Filing SSA Claims
According to the Social Security Administration, an average of 52% of applicants is rejected yearly. This only shows that the government is very serious in paying only those who deserve these benefits. So, it is important that social security disability...
Ways to Face Fears | Succeed
All of us have a hard time with failure, and it can often lead us to feeling insecure about ourselves. It can even begin to compound our fears and leave us feeling nervous and anxious in unfamiliar situations. We want to be able to predict and control everything that...
Searching for Online and Freelance Employment
Searching for Online & Freelance Employment Many career fields and skills do not fall under traditional frameworks for employment. Writers, photographers, marketers, teachers and artists may be able to find work as online freelancers to continue improving their...
Social Security Disability Assistance
 Social Security Disability Insurance pays benefits to you and certain members of your family if worked long enough and paid Social Security taxes. Supplemental Security Income pays benefits based on financial need. If you need help and personal guidance...
Things You Need to Know About Section 8 Assistance
Things You Need to Know About Section 8 Housing Some families might find a safe, decent and affordable housing as a big challenge to tackle. Majority of regions in the United States do not have rent control laws in place. Therefore some renters find affording a...
Teach Safety First
There is no denying the fact that the dangers out there are very real and your child is susceptible to them all. Luckily you can implement so many strategies that help protect your little ones and keep them safe at any age as long as you are willing to...
Is Rent to Own Housing An Option?
Rent to own housing is a popular term that should be carefully considered. It can be an agreement between owner and seller to rent or lease a property until it is paid in full. The plan can work several different ways, some have zero deposits and no...
Best and Worst Student Loan Services
Best and Worst Student Loan Services This is the time of year when hundreds of thousands of Americans begin to prepare for their first semester in college. They begin to seek out the items that will sustain them during dorm life. Parents spend money on new sheets, hot...
Public Assistance Study
 According to a new public assistance study conducted by the University of Illinois and the University of California-Berkeley, a overwhelming majority of fast food worker's families are enrolled in one or more public assistance programs. These programs...
Car Shopping and Ways To Pay for It
A franchised new car dealership is a reliable, if not the only, source for anyone who wants to buy a new car.  But to those who prefer buying used or previously owned cars, there are plenty of options and sources one could choose from to be able to make...

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!