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unsecuredcard78   , 55

from Crescent City


How to get a bad credit card

Have bad credit and need help finding a company to issue you a credit card? Right now there are lots of reasons your credit score may be low. Sudden loss of work, forced pension, sickness, and prior miss use of your credit will give you a below desirable credit score.

What brings your credit score down

- late payments

- charged off accounts

- collection accounts

- maxing out your bad credit credit cards restrictions

- bankruptcy

are the most typical ways that your credit score drops. The only things you can do is to hire a credit repair company (or fix your credit yourself) and start using good credit habits.

However you desire a credit card now. So what to do?

You have to look online for companies that will accept people with bad credit. Believe it or not a lot of bad credit clients start by applying for just any credit card that results in their desk. And are surprised when they get declined.

Looking for credit this way will only further damage your credit. Each time you apply for a credit card, your credit score will go down, UNLESS the business is pulling a "soft" draw. A soft pull means that's it will not affect your credit, it can the type of pull that happens when you pull your own credit. But most credit card companies will do a "hard pull". So unless it says "soft pull" assume it can be a hard pull.

Finding bad credit lenders

You need to look for resources like BadCreditResources. contendo which list most of the bad credit lenders that you can find online. Whether you are buying bad credit card or if you are searching for a bad credit personal loan.

You should also do a search on google for the term "sub prime lender". These lenders got a bad reputation a few years back when some companies attended far and issued lending options and credit cards for people with bad credit at outrageous rates. Many of those companies have recently been put out of business.

Some other good conditions to search for a bad credit card would be:

bad credit credit cards

no credit check credit cards

unsecured credit credit cards for no credit

bad credit cards

credit cards for folks with bad credit

If you want to be successful in getting a new credit card and starting to rebuild your credit. You need to be wise in where you apply. Many of the key banks do no have unsecured bad credit playing cards. So walking into BofA knowing you have a low credit score and applying for their credit card is not a good thing to do. You will just lower your score, and get rejected. Stick with the companies that are looking to finance you. Transform your life credit and once your credit score is around a 680 start buying good credit card.