Bad Credit CREDIT CARDS

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There’s nothing more frustrating than learning that you have bad credit, as this can bring a number of financial challenges into your life. Rather than give up, it’s time to begin your search for credit cards for bad credit. There are secured and unsecured offers to choose from, both of which are available through a variety of credit card issuers. If you have bad credit and need to make a change for the better, search through our list of credit cards for bad credit.

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2026 Top Editor's Choice

Arro Card

Start with credit limit up to $300, grow to $2,500

Card BrandMasterCard

Credit Recommended All Credit Types Accepted

Annual Fee $60* (*discounted in Year 1 for starting credit lines under $300)

Monthly Fee N/A

Regular APR 24.99%

Rewards 1% cashback on gas and groceries

Full Details Card Page

Highlights

  • No hard inquiry to apply.
  • Apply in 5 minutes or less.
  • Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
  • Earn 1% cash back on gas & groceries, including Walmart and Target
  • Instantly increase your credit limit as you master your personal finances in the Arro app.
  • Reports to all 3 credit bureaus.
  • The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Additional Info

  • Primary Benefit: Build credit while earning rewards
  • Rewards Rate: 1% cashback on gas and groceries
  • Credit Limit: Start with credit limit up to $300, grow to $2,500
  • Regular APR: 24.99%
  • Annual Fee: $60* (*discounted in Year 1 for starting credit lines under $300)
  • Credit Recommended: All Credit Types Accepted
  • Checking Account Required: Yes
  • Card Brand: Mastercard®
  • Late Payment Fee: Up to $38
  • Return Payment Fee: $0

Specifications

Regular APR 24.99%
Annual Fee $60* (*discounted in Year 1 for starting credit lines under $300)
Monthly Fee N/A
Credit Recommended All Credit Types Accepted
Intro (Purchases) n/a
Intro (Transfers) n/a
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $38
Overlimit Fee n/a
Return Check Fee None
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
Rewards Rate 1% cashback on gas and groceries
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Walmart MoneyCard®

Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*

Card BrandMasterCard

Credit Recommended n/a

Annual Fee See Terms

Monthly Fee N/A

Regular APR n/a

Rewards n/a

Full Details Card Page

Highlights

  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.

Additional Info

  • Activation Fee: $0
  • Monthly Fee: $0 with eligible direct deposit
  • Direct Deposit Fee: $0
  • ATM Fee: $2.50
  • Credit Recommended: N/A

Specifications

Regular APR n/a
Annual Fee See Terms
Monthly Fee N/A
Credit Recommended n/a
Intro (Purchases) n/a
Intro (Transfers) n/a
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
Rewards Rate n/a
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Current Build Visa® Credit Card

Credit for everyone – Regardless of your credit history!

Card BrandVisa®

Credit Recommended No to Good Credit

Annual Fee $0.00

Monthly Fee N/A

Regular APR 0.00%

Rewards N/A

Full Details Card Page

Highlights

Set up an account with Current to have your refund direct deposited up to 5 days faster. Early access to tax refunds depends on the timing of the submission of the payment file from the payer. Current makes these funds available on the day the payment file is received, which may be up to 5 days earlier than the scheduled payment date. Click here for more information.

  • Credit for everyone – Regardless of your credit history!
  • Simply open a Current Account and add funds. The amount added then becomes your spending power for the Build Card.
  • No minimum security deposit required.
  • Enjoy instant gas hold removals.
  • Reports monthly to all three major credit bureaus.
  • View Product Disclosures

Additional Info

  • Primary Benefit: May help build credit and improve your credit score over time.
  • Products Offered: Mobile Banking & Visa Credit Card
  • Brand Name: Visa®
  • Credit Check: No
  • Regular APR: N/A

Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and/or Cross River Bank, Member FDIC. The Current Visa® Debit Card, which may be issued by Choice Financial Group and/or Cross River Bank, and the Current Visa® secured charge card, which is issued by Cross River Bank, are all issued pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. A Current deposit account is required to apply for the Current Visa® secured charge card. Independent approval required.

Specifications

Regular APR 0.00%
Annual Fee $0.00
Monthly Fee N/A
Credit Recommended No to Good Credit
Intro (Purchases) n/a
Intro (Transfers) n/a
Cash Advance APR See Website for Details
Cash Advance Fee See Website for Details
Cash Grace Period See Website for Details
Late Payment Fee See Website for Details
Overlimit Fee See Website for Details
Return Check Fee See Website for Details
Foreign Transaction Fee See Website for Details
Balance Transfer Fee See Website for Details
Rewards Rate N/A
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Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

Card BrandMasterCard

Credit Recommended Bad/Poor/Fair

Annual Fee $175 the first year; $49 thereafter

Monthly Fee $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

Regular APR 35.9%

Rewards n/a

Full Details Card Page

Rates & Fees

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

Additional Info

  • Regular APR: 35.9%
  • Annual Fee: $175 the first year; $49 thereafter
  • Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
  • Foreign Trans Fee: 1% of each transaction in U.S. dollars
  • Card Brand: Mastercard®
  • Credit Recommended: Bad/Poor/Fair
  • Intro Rate: N/A
  • Intro Period: N/A
  • Balance Transfer: N/A
  • Intro (Purchases): N/A
  • Intro (Balance Transfers): N/A

Specifications

Regular APR 35.9%
Annual Fee $175 the first year; $49 thereafter
Monthly Fee $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Credit Recommended Bad/Poor/Fair
Intro (Purchases) n/a
Intro (Transfers) n/a
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee See Website for Details
Overlimit Fee See Website for Details
Return Check Fee See Website for Details
Foreign Transaction Fee 1% of each transaction in U.S. dollars
Balance Transfer Fee n/a
Rewards Rate n/a
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the secured Self Visa® Credit Card

Eligibility requirements apply. Card issued after requirements are met.

Card BrandVisa®

Credit Recommended Any Credit Rating

Annual Fee $0 ($25 Annual Fee after the first year.)^

Monthly Fee N/A

Regular APR 27.49% (Variable)

Rewards n/a

Full Details Card Page

Highlights

Getting Started
Start by opening a Credit Builder Account for $25/month to build the savings needed to secure your card.*
(*minus interest and fees)

No Credit History Required
Apply with no credit check, no hard inquiry, and no minimum credit score.

Build Your Credit
Reports payment history to all three major credit bureaus.

Introductory Offer
Enjoy a $0 annual fee for the first year ($25 annual fee thereafter)^.

Low Deposit Requirement
A $100 minimum security deposit is required. Once approved, your credit limit will be equal to your security deposit.

Universal Card Acceptance
Use your card anywhere Visa® is accepted in the U.S. and easily add it to Apple Pay, Samsung Pay, and Google Pay.

Security
Includes access to credit score monitoring and Visa’s $0 Fraud Liability Guarantee for lost or stolen cards, at no cost.

Control
Get help staying on track with Autopay and account alerts. Manage your account 24/7 online, by phone, or in our mobile app.

The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49%. Offer valid for new customers only.

Additional Info

  • Intro APR (Purchases): N/A
  • Intro APR (Transfers): N/A
  • Regular APR: 27.49% (Variable)
  • Annual Fee: $0 ($25 Annual Fee after the first year.)^
  • Rewards: N/A
  • Cash Advance APR: N/A
  • Cash Advance Fee: N/A
  • Cash Grade Period: N/A
  • Late Payment Fee: $15
  • Overlimit Fee: N/A
  • Return Check Fee: $15
  • Foreign Transaction Fee: N/A
  • Balance Transfer Fee: N/A

Specifications

Regular APR 27.49% (Variable)
Annual Fee $0 ($25 Annual Fee after the first year.)^
Monthly Fee N/A
Credit Recommended Any Credit Rating
Intro (Purchases) n/a
Intro (Transfers) n/a
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee $15
Overlimit Fee n/a
Return Check Fee $15
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
Rewards Rate n/a
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Chime Card™

No Credit Check to Apply6

Card BrandVisa®

Credit Recommended All Credit Welcome

Annual Fee N/A

Monthly Fee N/A

Regular APR N/A

Rewards Cash back (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3

Full Details Card Page

Highlights

The Chime Card™ is a secured credit card designed to help you build credit stress-free while enjoying the benefits of modern, fee-friendly banking8. Whether you’re starting out or rebuilding your credit, the Chime Card™ can give you control of your spending, flexibility in funding, and real rewards—all without the burden of high fees or interest charges1.

To apply for a Chime Card™, Chime® Checking Account is required to apply.

Chime Card™ Key Highlights:
  • Cash Back Rewards – Earn 1.5% cash back on rotating categories like gas and groceries with qualifying direct deposit and Chime+ status3.
  • Simple Funding Options – Add money quickly via direct deposit, ACH transfer, linked debit card, or fee-free cash deposits at Walgreens and Duane Reade4.
  • Wide Access, Zero Stress – Use your card at fee-free in-network ATMs6 and deposit cash without extra charges at approved locations4.
  • Credit Building Made Simple – Top 10% of members using Credit Builder, an earlier version of Chime Card, in a 2025 study observed a FICO® Score 8 increase of 71 points over 8 months of on-time payments. Avg 28 pt increase across all study participants. Other financial activity may impact overall credit history and scores. Results may vary, see Chime.com for details5.
  • No Credit Check & No Interest – Apply without a credit check, enjoy no interest charges6, and never worry about annual or late fees.
  • Your Security Deposit, Your Limit – Spend only what you deposit into your secured account, giving you full control over your available credit7.

Get Started today and take the first step toward building your credit.

Additional Info

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. and may be used everywhere Visa credit cards are accepted.

1 Out-of-network ATM withdrawal and over the counter advance fees may apply.

2 Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.

3 With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases.

4 To fund your Chime Card™, you can deposit funds to your Checking Account (including direct deposit, ACH transfer, linking an external debit card, payment apps) or deposit cash at retailers with your debit card, barcode, or Chime Card™. Funds added to your Checking Account are transferred to your Chime Card Secured Deposit Account – other than Chime Card™ cash deposits at retailers, which go to your Chime Card Account, then deposit to your Secured Deposit Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. See your Chime mobile app for funding option details.

5 Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More

6 Out-of-network ATM withdrawal and over the counter advance fees may apply.

7 Money added to Chime Card™ will be held in a secured deposit account as collateral for your Chime Card™, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.

8 Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.

Specifications

Regular APR N/A
Annual Fee N/A
Monthly Fee N/A
Credit Recommended All Credit Welcome
Intro (Purchases) N/A
Intro (Transfers) N/A
Cash Advance APR N/A
Cash Advance Fee N/A
Cash Grace Period N/A
Late Payment Fee N/A
Overlimit Fee N/A
Return Check Fee N/A
Foreign Transaction Fee N/A
Balance Transfer Fee N/A
Rewards Rate Cash back (1.5% cash back on rotating categories, e.g., gas and groceries) with Chime+ status3
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Destiny® Mastercard® with Instant Credit

A guaranteed $700 credit limit to help get your financial goals on track, if approved.

Card BrandMasterCard

Credit Recommended Fair

Annual Fee $175 the first year; $49 thereafter

Monthly Fee $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)

Regular APR 35.90%

Rewards n/a

Full Details Card Page

Rates & Fees

Highlights

  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
  • No security deposit, just instant purchasing power. See Terms.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.

Additional Info

  • Credit Limit: $700
  • Regular APR: 35.90%
  • Annual Fee: $175 the first year; $49 thereafter
  • Monthly Fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
  • Cash Advance APR: 35.90%
  • Cash Advance Fee: $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
  • Credit Recommended: Fair
  • Brand Name: Mastercard
  • Foreign Trans Fee: 1% of each transaction in U.S. dollars.
  • Late Payment Fee: Up to $40
  • Minimum Credit Score: 500
  • Penalty APR: See Terms

Specifications

Regular APR 35.90%
Annual Fee $175 the first year; $49 thereafter
Monthly Fee $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Credit Recommended Fair
Intro (Purchases) n/a
Intro (Transfers) n/a
Cash Advance APR 35.90%
Cash Advance Fee $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 )
Cash Grace Period See Terms
Late Payment Fee Up to $40
Overlimit Fee See Terms
Return Check Fee See Terms
Foreign Transaction Fee 1% of each transaction in U.S. dollars.
Balance Transfer Fee See Terms
Rewards Rate n/a
Hide Details
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Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

Card BrandMasterCard

Credit Recommended Fair/Good

Annual Fee See Terms

Monthly Fee See Terms

Regular APR See Terms

Rewards n/a

Full Details Card Page

Rates & Fees

Highlights

  • Greater access to credit than before – $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7

Additional Info

  • Regular APR: See terms
  • Credit Recommended: Fair/Good
  • Annual Fee: See terms
  • Monthly Fee: See terms
  • Card Brand: Mastercard
  • Credit Limit: $700
  • Cash Advance Fee: See terms
  • Foreign Trans Fee: 1% of each transaction in U.S. dollars

Specifications

Regular APR See Terms
Annual Fee See Terms
Monthly Fee See Terms
Credit Recommended Fair/Good
Intro (Purchases) n/a
Intro (Transfers) n/a
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
Rewards Rate n/a
Hide Details
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PREMIER Bankcard® Mastercard® Credit Card

Just complete the short application and find out in 60 seconds if you’re approved.

Card BrandMasterCard

Credit Recommended Fair/Poor

Annual Fee See Issuer Website

Monthly Fee N/A

Regular APR See Issuer Website

Rewards n/a

Full Details Card Page

Highlights

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

PREMIER Bankcard® is a registered trademark of PREMIER Bankcard®, LLC.

Additional Info

Specifications

Regular APR See Issuer Website
Annual Fee See Issuer Website
Monthly Fee N/A
Credit Recommended Fair/Poor
Intro (Purchases) n/a
Intro (Transfers) n/a
Cash Advance APR See Issuer Website
Cash Advance Fee See Issuer Website
Cash Grace Period n/a
Late Payment Fee See Issuer Website
Overlimit Fee n/a
Return Check Fee See Issuer Website
Foreign Transaction Fee See Issuer Website
Balance Transfer Fee n/a
Rewards Rate n/a
Hide Details
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Net First Platinum

$750.00 Line of Credit*

Card BrandOther

Credit Recommended Damaged credit to Fair credit

Annual Fee See website for Details*

Monthly Fee N/A

Regular APR 0.00%

Rewards N/A

Full Details Card Page

Highlights

The Net First Platinum card could be the perfect card for you.

*See Card for Details

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

  • No Employment or Credit Check
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

Additional Info

  • Credit Line : $750 Limit (Usable only at TheHorizonOutlet.com)
  • Monthly Fee : See website for Details*
  • Regular APR : 0% APR
  • Credit Recommended : Damaged credit to Fair credit

Specifications

Regular APR 0.00%
Annual Fee See website for Details*
Monthly Fee N/A
Credit Recommended Damaged credit to Fair credit
Intro (Purchases) 0.00%
Intro (Transfers) n/a
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
Rewards Rate N/A
Hide Details
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Group One Platinum Card

Bad Credit, No Credit? No Problem!

Card BrandOther

Credit Recommended Damaged/Fair

Annual Fee See website for Details*

Monthly Fee N/A

Regular APR 0.00%

Rewards n/a

Full Details Card Page

Highlights

  • No Employment or Credit Check
  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application

Additional Info

  • Credit Limit : $750 Limit (Usable only at TheHorizonOutlet.com)
  • Regular APR : 0% APR
  • Monthly Fee : See website for Details*
  • Credit Recommended : Damaged/Fair

Specifications

Regular APR 0.00%
Annual Fee See website for Details*
Monthly Fee N/A
Credit Recommended Damaged/Fair
Intro (Purchases) 0.00%
Intro (Transfers) n/a
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee n/a
Return Check Fee n/a
Foreign Transaction Fee n/a
Balance Transfer Fee n/a
Rewards Rate n/a
Hide Details

Card Spotlight : Arro Card

Arro Card
Arro Card: A Practical Credit Solution Built for Progress For consumers working to establish or rebuild their credit, the path forward often feels unnecessarily complicated. The Arro Card offers a refreshingly straightforward approach—one that prioritizes consistency, accessibility, and real-world financial behavior over gimmicks or short-term incentives. Designed specifically for individuals who want to strengthen their credit...

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Card Spotlight: Current Build Visa® Credit Card

Current Build Visa® Credit Card
Unlock Your Financial Potential with Current Build Visa® Credit Card In today's fast-paced world, it is crucial to have a credit card that not only provides convenience but also helps you unlock your financial potential. With the Current Build Visa® Credit Card, you can maximize your financial growth and harness the power to achieve your...

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Card Spotlight : Destiny Mastercard®

Destiny Mastercard
Do you have less than perfect credit and have been rejected for credit cards in the past? Are you hoping to improve your credit score in the future? If you answered yes to these questions, you might want to consider the Destiny Mastercard®. Apply Now This credit card provides all the advantages of a Mastercard...

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Bad Credit

Most people who have bad credit are well aware of their situation. As frustrating as it may be, there’s a bright side: there’s plenty of room for improvement.

If you have bad credit and find yourself in need of a credit card, there are both unsecured and secured offers to consider. Best yet, responsible use of a credit card in the future will help boost your score.

Note: if you have bad credit, search through our comprehensive list of offers for consumers in your position.

How to Boost Your Bad Credit Score

Just because you have bad credit now doesn’t mean you’ll have bad credit for the rest of your life. There are a few simple steps you can take to boost your credit score in the months to come:

1. Make Note of Your Past Mistakes

Why do you have bad credit? Once you understand the mistakes you’ve made in the past, you can avoid going down the same path in the future. For example, if you defaulted on several loans in the past, create a budget that will help you prevent a similar situation in the future. You won’t know how to improve on your past mistakes until you identify them. This is job number one!

2. Review Your Credit Report for Errors

Don’t assume that the information on your credit report is accurate. It’s possible that there’s at least one error on your credit report that’s pulling down your score.

If you come across an error, contact the appropriate credit bureau to file a dispute. It’s often a time consuming process, but fixing the error can do wonders for your credit score.

3. Create a Budget

It’s critical to know how much money you earn each month, as well as how much you spend. This is where a detailed budget comes into play. At the very least, you need to earn enough money to cover your expenses. If you don’t, you’ll quickly slip behind on your obligations, which will harm your credit score.

Tip: you can create your budget with nothing more than a pen and paper. Of course, if you’re more technologically advanced, there are apps and software programs to assist you.

4. Don’t Stop Using Credit

It’s natural to stop using credit if you have bad credit. You assume that this will keep you out of trouble, and you may be right. However, you should still use credit when possible, as this actually helps boost your
score. Don’t bite off more than you can chew, but get into the habit of using your credit card and paying the balance in full each month. You can also raise your score by paying on installment loans.

5. Remain Patient

You want to put your bad credit in the past as soon as possible, but it’s likely to take several months or longer to make real progress. Don’t get frustrated if your score isn’t rising as quickly as you would like. If you stay the course, you’ll like where you end up.

Final Thoughts

Don’t let bad credit affect your finances for the rest of your life. When you follow the steps above, it won’t be long before your credit score begins to move in the right direction.

Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).