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Frequently asked questions:

 

A poor credit or a lack of credit history, isn’t the end of the world — and it doesn’t mean you can’t get a credit card. If you’re looking to build up or restore your credit, a credit card can be a stepping stone to a stronger credit score.

Credit cards for bad credit connect people with credit options that work for their financial situation. Low or no credit doesn’t need to freeze you in it's tracks. Numerous card options can help you build your credit.

There is 4 different types of cards available to help you on your quest for credit repair.

-Unsecured cards

-Prepaided cards

-Catalog cards

-Secure credit cards

How to improve your credit score?

If your credit score is too low to qualify for an unsecured credit card, these are some ways to improve your credit.

• Get a secured credit card and never miss a payment.
• Pay down the balances on (such as your credit card) to less than 30% of the credit limit.
• Make all of your payments for services like ulitilies,rent,internet,gas,insurance,food.
• Keep old accounts open to make your credit history longer.
• Do not apply for several credit cards from many different lenders at the same time – it's called a hard inquiry and can decrease your credit score.

Improving your credit score all comes down to proving that you are trustworthy with credit, which means paying off your existing bills every month. If you do this, eventually your credit score will improve enough that you will qualify for an unsecured credit card.