Poor Credit | Credit Card Topics

Low Credit Score Credit Cards of 2021

By: Eric Bank, 6/23/2021

Low credit score credit cards are designed to provide basic credit card functionality to consumers who have experienced financial problems. They not only allow you to charge purchases instead of paying cash, but they also permit you to stretch payments over several months. Moreover, they give you an opportunity to improve your credit score through creditworthy behavior. Some functionality, such as a balance transfer, is rare for this class of credit cards. Rankings | FAQs Best... read more »

Unsecured Credit Cards for Bad Credit in 2021

By: Eric Bank, 11/2/2020

This article identifies the best unsecured credit cards for bad credit. We’ve chosen these cards because they are geared to consumers with bad credit scores, which is a FICO Score of 580 or below. Most of these cards have fairly high APRs, low credit limits, meager rewards, and high fees -- the typical characteristics that issuers impose in return for assuming the risk that cardmembers may default on their credit card debt. Nonetheless, these cards can deliver credit to... read more »

Unsecured Credit Cards After Bankruptcy in 2021

By: Eric Bank, 8/5/2020

Bankruptcy is a fact of life in today's economy -- but there's life after bankruptcy -- as witnessed by this review of 10 unsecured credit cards after bankruptcy for consumers who lack good credit. All these cards accept applicants with a low credit rating and do not require you to put down a security deposit to open a credit card account. Best Unsecured Cards After Bankruptcy All of the cards below are an acceptable choice for folks who once experienced bankruptcy and now seek... read more »

Credit Cards for Bad Credit in 2021

By: Eric Bank, 7/29/2020

Many consumers with low credit scores want to own credit cards for bad credit to help them manage their finances. Here are our top 20 picks representing the best balance between costs and benefits for consumers seeking the right credit card. Use the links below to navigate to the card type you're interested in: Unsecured | Secured | Business | Store | Prepaid How to Apply | FAQs Unsecured Credit Cards for Bad Credit An unsecured credit card is what most people think of as a... read more »

5 Credit Card Bonuses for Bad Credit

By: Eric Bank, 12/12/2019

Folks with bad credit frequently assume they are consigned to no-frills credit cards, if they can get a card at all. We’re happy to report that you may be able to do better with a credit card that offers bonuses for bad credit. The credit cards in this review give you additional value despite your low credit score. Plus, by using your credit cards responsibly, you have the opportunity to boost your credit score and qualify for cards with fancier benefits. Cards | Approval Tips |... read more »

7 Best Cerulean Credit Card Alternatives

By: Matt Walker, 12/5/2019

If you’re one of the millions of Americans with less than stellar credit, chances are you’ve heard of the Cerulean Mastercard®. As one of a handful of cards from Continental Finance, it’s meant for consumers with subprime credit. But bear in mind this isn’t the only game in town for people with low credit scores -- there are plenty of Cerulean credit card alternatives out there. The thing to keep in mind about subprime credit cards is that they are a way to access a small... read more »

2021’s Best Second-Chance Credit Cards

By: Adam West, 7/23/2019

Alexander Pope once said, “To err is human; to forgive, divine.” That saying was true when it was written in 1711 and remains true today — though, in modern language, we’d probably say something less frilly, such as “Everyone deserves a second chance.” That certainly rings true with credit cards. So many consumers lack proper financial education when they’re starting out, which often leads to mistakes with their first credit cards. But most of us learn from those... read more »

Credit Fix Solutions Offers Australians the Country’s Only No-Result, No-Fee Credit Repair Business

By: Brittney Mayer, 6/29/2018

In a Nutshell: Australians face rising unemployment rates and a steadily increasing cost of living that has 1 in 3 residents spending more than they make. This often leads to credit issues that only worsen with the occasional credit profile inaccuracy. Credit Fix Solutions is a top choice for Australians who are looking to improve their credit scores by removing inaccurate data from their credit reports. The firm has a no-result, no-fee policy that helps it achieve a 95% success rate... read more »

13 Store Credit Cards for Bad Credit (The Easiest to Get)

By: Brittney Mayer, 12/8/2017

As someone who has been on both sides of the retail exchange, I know cashiers are often required by the company to spout that litany of offers at the checkout line. But knowing they have to ask me doesn't always reduce my level of annoyance when I'm in a hurry. Making matters worse is the fact that I know the average store credit card simply isn't that great of a deal, despite the tempting spiel memorized by the cashier. This is thanks in part to the high APR store cards tend to... read more »

6 Best Secured Credit Cards for Bad Credit (2021)

By: Adam West, 10/30/2017

When it comes to identifying the best secured credit cards for bad credit, look no further, because our experts have compiled what we believe to be some of the best options to help consumers being rebuilding their credit and financial wellness. Although we all hear the horror stories of families racking up five-figure credit card debt, it isn't always the high-dollar debts or multi-card conundrums that drag us down. For example, even people with only a single credit card and a low... read more »

LendUp Offers Socially Responsible Credit Products to Benefit the Needs of the Emerging Middle Class

By: Ray FitzGerald, 10/16/2017

In a Nutshell: Millions of Americans struggle with inadequate access to revolving credit, and the need for a reliable card keeps these consumers from reaching goals and building financial security. San Francisco-based LendUp aims to serve the vast segment of the US population with a damaged or limited credit history, offering the opportunity for these consumers to improve their credit profiles with products that charge transparent, competitive rates. In May of 2017, LendUp introduced... read more »

Surge Credit Card Review: How to Apply & 5 Bad Credit Alternatives

By: Brittney Mayer, 11/16/2016

Our Surge credit card review will fill you in on who the card was made for, card details, how to apply for the card, and how to use it to build or rebuild credit. Additionally, we offer some fine alternatives to the Surge card. Some things in life are absolute; that carton of milk is either good, or it's really bad. Other things are less binary -- like your credit. The FICO credit score can range anywhere from 300 to 850, and everyone seems to have a different definition of "bad... read more »

5 Ways a Credit Card Can Rebuild Your Credit

By: Mike Randall, 8/12/2016

Making a few financial mistakes along your journey to good credit is not uncommon and often repairable, and demonstrating that you can use credit responsibly is one of the ways a credit card can rebuild your credit. But remember, simply owning a credit card is just one component in your overall credit health. To reestablish yourself as a worthwhile credit risk, there are some factors you need to keep in mind. A credit card is a tool, and when used properly and responsibly, it can... read more »

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