Poor Credit | Credit Card Topics

2019’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 (2019)

By: Adam West, 10/30/2017

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, Katie had only a single credit card with a $500 limit, but when she fell behind on the payments, late fees and interest charges turned that into $1,200 worth of debt. By the time Katie paid off her debt, her missed payments had taken a toll on her credit scores, dropping them to around 550 —... 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, Check Status + 5 Alternatives)

By: Brittney Mayer, 11/16/2016

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 credit." In general, though, if you have bad credit you tend to know it -- particularly when applications for financing get rejected. Being turned down for credit can be a blow, but there are options for obtaining credit and... 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 »