Bad Credit Cards

When you have a bad credit score it makes getting a credit card difficult. You quickly get sick of hearing DECLINED, REJECTED & NOT APPROVED.

This makes you feel like a second class citizen. To make things even tougher for you, the sub prime lending business is in complete up heaval.

Many lenders have closed their doors and stopped lending. However there are still some options available.

What to look for:

There are a few important things to look for in a new bad credit card.

  1. Credit Reporting
    - Does it report to the bureaus?

  2. Fees
    - How much is it going to cost you to have this card?

  3. Savings
    - Is it going to save you money? How do you benefit?

One of the most effective ways to raise a bad credit score is by building new positive accounts on your report. This is why you should look for credit reporting in your new card.

Fees, sub prime lending is the most profitable form of lending. This is because there are fees and higher interest rates.

For example; an unsecured credit card (gives you a credit limit) will charge you outrageous fees. Such as account maintenance, application fee, and very high interest rates.

Savings - how do you save money with this card. Or in other words how do you benefit by having this card in your pocket?

Which card is the best?

Our recommended bad credit card is the prepaid Account Now Visa.

It offers FREE Direct Deposit & FREE Bill Pay. This will save you money on check cashing fees or buying expensive money orders.

It offers FREE Credit Builder & FREE Activation. Credit Builder will report the payments you make using bill pay to a credit bureau. Activation is Free.

And You Can Even Borrow Money. If for ANY reason you need some cash - you can borrow money from your card. This information is also reported to the credit bureaus giving you a way to build credit.


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