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How to Find the Best Credit Cards For Poor Credit

Posted on January 21, 2023February 15, 2023 by projectcosimo

credit cards for poor credit

applying for a credit card with poor credit can be a lifeline for people with poor credit. These cards can help you build or rebuild your credit, pay off debt and earn rewards for good financial behavior.

Getting Prequalified

A great way to find a credit card for poor credit is to use the prequalification pages on most major credit card issuers’ websites. These prequalification pages will show you offers that have a high chance of being approved for you.

What to Look for in a Credit Card

When it comes to finding a credit card for bad credit, you’ll want to look for one that charges reasonable fees. It’s also a good idea to study the menu of fees to see how much you can expect to pay for making certain types of transactions.

The Benefits of Secured Credit Cards for Poor Credit

Balance Transfers and Cash Advances

If you have a low credit score, the most important thing you can do is to start using a credit card responsibly. This means paying off your balance in full every month, and keeping an eye out for credit cards that charge interest on your purchases or have a higher APR than other cards.

Length of Credit History

A long history of using a credit card is beneficial from a scoring perspective, so don’t close old accounts that you don’t use. This could hurt your score, so be sure to keep any card you have open for a year or two.

If you have poor or no credit, the best way to start building your credit is with a credit card specifically designed for you. WalletHub’s editors regularly compare credit card offerings to find the best ones for people with poor or no credit, focusing on factors like approval requirements, credit bureau reporting practices and credit-building tools.

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About Dixen

Lucas Dixon is a technology nerd who has been passionate about computers and gadgets since he was a young child. Growing up in the small town of Appleton, Wisconsin, Lucas was always tinkering with the latest gadgets and learning about new technologies. He was fascinated by the possibilities that technology could bring to people’s lives, and he dreamed of one day becoming an innovator himself. At age 16, Lucas enrolled in a local college to pursue his dream of becoming an engineer. He quickly excelled in his classes and graduated at the top of his class with a degree in computer engineering. After graduation, Lucas moved to Silicon Valley where he worked as an engineer for several tech companies.

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