Less than perfect credit is okay, even with a prior bankruptcy!
Card Brand MasterCard®
Credit Recommended Poor to Good
Regular Purchase APR See Terms
Annual Fee See Terms
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
| Regular APR | See Terms |
|---|---|
| Annual Fee | See Terms |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Credit Recommended | Poor to Good |
| Cash Advance APR | See Terms |
| Cash Advance Fee | See Terms |
| Cash Grace Period | See Terms |
| Late Payment Fee | See Terms |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | See Terms |
| Balance Transfer Fee | See Terms |
Yes I knew going in before I applied and was immediately approved that it was going to be an expensive bridge to cross. But since my bankruptcy was discharged I’ve learned a thing or two from that bridge that was burned and I’m using this new $700 limit to the best of my advantage but NEVER paying anymore than I possibly have to. I E. I always pay it in full no matter what. The fees are extremely high so what ever I can do to avoid paying anything unnecessary. The $700 limit has lowered my utilization rate bc I only put my HULU reoccurring 1.95 monthly charge on it, coupled with auto pay it’s never late and paid in full so that’s two (2) metrics I’m getting at no cost – 1) On-Time Payment & #2) I’m reporting a 1% utilization rate.
It meets my needs to stay true to my budget
