Credit cards for bad credit are certainly not going to be the best credit deals, but credit cards for people with bad credit might be your only option available. The interest on credit cards for people with bad credit are usually much higher than on a regular credit card. These types of credit cards are especially designed for people with a bad credit history and don't qualify for a regular credit card. If you are a young person just starting to build credit, or if you've had circumstances that has damaged your credit history, you usually can qualify for credit cards for bad credit.
Bad Credit Deals
Bad credit, credit card deals are readily available online with easy, secure applications. Bad credit deals are often divided into secured credit cards for bad credit that need a deposit and bad credit unsecured credit cards, a bad credit card with much higher fees. These types of bad credit offers people with a poor credit score or no previous credit history a quick and easy way to re-gain a good credit history with bad credit cards. If you keep your credit balance under the limit and make your payments on time, you'll become eligible for much better deals on your credit card rates and improve your credit score.
Interest
There are many temptations by having credit cards and while using bad credit cards to hold you over in tight situations, remember it is only temporary relief as the interest rates on credit cards for bad credit are extremely high. Shop around and look for credit cards for bad credit with an interest rate that you are absolutely sure you will be able to pay. Probably the single most important part of picking credit cards is the interest rate, especially for people who will be rolling over balances from month to month.
Tips
A person must always keep in mind that credit cards for bad credit are very easy to use so don't go overboard or you might find yourself in a much worse situation. Check out the interest rates and fees before you start applying for credit cards for bad credit. Don't apply for every bad credit card there is as this will effect your credit score, only choose two of the best bad credit deals you can find.
Blake Hendrickson is owner/operator of several credit related websites including websites specializing in bad credit credit cards. Visit our website today for the best selection of credit cards for bad credit.
Article Source: http://EzineArticles.com/?expert=Blake_C._Hendrickson
Saturday, August 9, 2008
Tuesday, August 5, 2008
How To Use A Credit Card Even If You Can't Qualify For One
Gift credit cards are optimal options for those who can't pass the application process for a credit card.
Visa Gift Card is a good example of such a card. Gift cards are considered to be more convenient and flexible because the recipient can purchase what they want. A perfect gift for every occasion. It consists basically in a debit card, which can be ordered from the bank for $4.99 per card for a classic gift card or a personalized gift card for $7.95. It can be loaded with anything in between $25 and $500 and has security insurance like any other card, which means it can be replaced if it’s lost or stolen, if the account number is still available. It definitely offers more security than a paper cheque. After being gifted, the recipient has to sign the back of the card and he can use it everywhere Visa debit cards are accepted worldwide, in stores, online or over the phone, in restaurants and entertainment venues. He can even make online balance inquiries.
American Express also has a gift card offer, with different layouts for different events like birthdays, weddings, holydays etc. It comes in a special gold envelope with recipient’s name on it, and the card and a set of instructions inside. Each card has a space where the client can write a personal message. In addition this card has benefits from retailers, restaurants and other merchants. The downside is that gift cards cannot be used in car rentals, cruise lines, casinos, cellular phone subscriptions. American Express also has a 50 cards limit per order, or $5,000 per customer every 14 days.
http://www.Justurbanlife.com is your source for credit. You can obtain loans, mortgages, credit cards, cash advances, even if you have a poor credit score. http://www.justurbanlife.com is also perfect for you if have a good credit score.
Article Source: http://EzineArticles.com/?expert=Donny_Lowy
Visa Gift Card is a good example of such a card. Gift cards are considered to be more convenient and flexible because the recipient can purchase what they want. A perfect gift for every occasion. It consists basically in a debit card, which can be ordered from the bank for $4.99 per card for a classic gift card or a personalized gift card for $7.95. It can be loaded with anything in between $25 and $500 and has security insurance like any other card, which means it can be replaced if it’s lost or stolen, if the account number is still available. It definitely offers more security than a paper cheque. After being gifted, the recipient has to sign the back of the card and he can use it everywhere Visa debit cards are accepted worldwide, in stores, online or over the phone, in restaurants and entertainment venues. He can even make online balance inquiries.
American Express also has a gift card offer, with different layouts for different events like birthdays, weddings, holydays etc. It comes in a special gold envelope with recipient’s name on it, and the card and a set of instructions inside. Each card has a space where the client can write a personal message. In addition this card has benefits from retailers, restaurants and other merchants. The downside is that gift cards cannot be used in car rentals, cruise lines, casinos, cellular phone subscriptions. American Express also has a 50 cards limit per order, or $5,000 per customer every 14 days.
http://www.Justurbanlife.com is your source for credit. You can obtain loans, mortgages, credit cards, cash advances, even if you have a poor credit score. http://www.justurbanlife.com is also perfect for you if have a good credit score.
Article Source: http://EzineArticles.com/?expert=Donny_Lowy
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