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!

 

 

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...
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...
5 Strategies to Reduce Stress and Strengthen Family Relationships
 Stress is everywhere. You feel stressed at work and on your commute, and maybe even your home, the place that is supposed to be your sanctuary. When you arrive home from your job, you're met by bills that need to be paid, children that need to be fed and...
HARP Eligibility and Assistance
 If your mortgage is making your financial life more difficult than you expected, you can get assistance through a program called HARP (Home Affordable Refinance Program). HARP eligibility is easy to determine as there are several factors that can affect...
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...
Receiving $4000 in Home Rebates
 Are there any home improvements that you have been contemplating lately? Are you struggling to make ends meet already? Learn more about three Programs a that could help you and millions of homeowners qualify for a $4,000 rebate. These Are Very Tough...
Readership Programs for Children
Readership Programs for Children The summer break may not always be beneficial to children. Studies show that children lose an average of one month of learning during the time off between school years. One way to counter this is to engross them in activities that...
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...
Who Qualifies for VA Home Loans
For many veterans and their families, buying a home can be a difficult experience. Many veterans have little patience for the drawn out process of finding a loan, and others have not always had the best luck with credit. Fortunately, Veterans Affairs (VA) can help....
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...
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...
Getting The Most Out of Your Dental Insurance
If you have dental insurance, it is imperative to know how to get the best out of it. There are several things that you need to understand to maximize the cover for the betterment of your teeth. Your dentist is the most resourceful person to advise you on how to get...
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 teach safety to help protect your little ones and keep them safe at any age as long as you are willing to take the necessary...
Government Grants Exposed
You and I have heard it all before, the man with the funny jacket on late night TV telling us that the United States government gives out over 30 Billion dollars in grants every year. And if we want any of that for ourselves, all we have to do is send him...
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...
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...
Modern Millionaires Mindset
Here’s A Modern Millionaire Rhetorical Question:   If you have a spare million dollars in your bank account today… How will you spend it? Pay off all your bills and loans? Buy your dream car? Dream house? Give your family a better life? Travel all...
Step By Step Guide To Debt Repair & Rebuilding Credit
Step By Step Guide To Debt Repair & Rebuilding Credit A severe debt situation is a huge financial misfortune that can ruin your ideal credit scores. If you are bothered by this excruciating condition, never worry. You are not alone in this regard. During the...
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...
How Does Renting to Own Really Work?
 In the years leading up to the financial crisis of 2007-08, the renting to own model — in which tenants/buyers have an option to purchase the house or condo they’re renting from their landlord/seller— was mostly offered by individual homeowners. In the...

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 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!

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!

Pin It on Pinterest

Share This