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SBrat
Joined: 12 Feb 2008
Posts: 10
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 Posted: Tue Feb 12, 2008 8:40 pm Post subject: Unsecured Credit Card for Bad Credit |
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Hi.
I have an outrageously low credit score - 541  due to being a complete idiot for the first few years of my adult life. I already plan on getting a secured credit card
However, I need to get some repairs done on my car and cannot wait to save the money at $50.00 a month.
I can't find any unsecured credit cards for my credit score without close to $200.00 in up-front fees and since I will be getting such a low initial available credit, this will not work. Please help me to find Unsecured Credit Card for bad credit.
I really appreciate it.
Bill. |
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DanV8
U POSTER
Joined: 06 Dec 2007
Posts: 31
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| Posted: Sat Feb 16, 2008 8:36 am Post subject: |
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| Don't be so hard on yourself. If I were you I'd get an extra job or something, rather than look for a new card. But if you must get a card to get by for now try talking to peeps in your bank. They may help you with that. |
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creditmix
U POSTER
Joined: 07 Feb 2008
Posts: 55
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| Posted: Sat Feb 16, 2008 11:18 am Post subject: |
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| Agree with DanV8, your bank might be the best option for you now. They can see you history with them and will most likely will offer you some kind of secured card. |
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Plastic
Joined: 20 Feb 2008
Posts: 10
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| Posted: Fri Feb 22, 2008 11:08 pm Post subject: |
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SBrat,
I've been in Bad credit situation, and believe me it is not the worst thing that could happend to you.
If you need some money for right now may be your friends will be able to help you. But for credit repair to get secured credit card is probably the best way for you now.
be wise and do not rash in new troubles or debts. |
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SBrat
Joined: 12 Feb 2008
Posts: 10
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| Posted: Sat Feb 23, 2008 8:45 pm Post subject: |
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thanks evryone!
I've look through your advices and found them really helpful. I've checked with my bank and it seems that they are ready to issue me a secured credit card. Well, it is better than nothing!
I consulted with a professional and he says that secured credit card is the only way to improve my bad credit situation.
I decided to borrow some money for car repaires.
Unsecured credit card needs to wait.
Thank you'll |
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admin
Site Admin
Joined: 03 Oct 2007
Posts: 184
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| Posted: Sun Feb 24, 2008 4:06 am Post subject: |
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| I'm glad it is working out for you, SBrat. What card are you getting? Is it in our catalog? |
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bigD
Joined: 05 Feb 2008
Posts: 50
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| Posted: Sun Feb 24, 2008 1:26 pm Post subject: |
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SBrat,
You doing the right things now.Situation like yours is no fun, but like someone said here it is definitely not the worst what can happen. Just make sure you have a plan and try to follow it. Good luck. |
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SBrat
Joined: 12 Feb 2008
Posts: 10
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| Posted: Sat Mar 01, 2008 9:01 pm Post subject: |
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Guys,
Seems like i'm moving forward with mycredit improvement. Finally, I've got secured credit card I think in your catalogue it is mentioned as Bank of America World Points Card.
I decided on it because I have a checking accout with them for many years.
Ofcause I do not have 0% apr  , but now i have a chance to i mprove my credit mistakes. 
Thank you all. |
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cardexpert
Joined: 04 Feb 2008
Posts: 21
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admin
Site Admin
Joined: 03 Oct 2007
Posts: 184
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| Posted: Tue Mar 11, 2008 10:52 pm Post subject: |
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| We've been getting a lot of questions about the differences between secured credit cards and prepaid credit cards. We've created a page that explains the main features of both kinds of cards. Before you start deciding which card you will get, please read this: Prepaid Credit Cards vs. Secured Credit Cards |
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