Bad Credit CREDIT CARDS

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.

☆   Card Spotlight
Today’s Featured Card

Reflex Mastercard®

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Rating

  

Regular Purchase APR

24.99% - 29.99% APR

Credit Recommended

Good/Fair/Bad Credit

Annual Fee

See Terms*

Updated For

Mon 18 Oct 2021

Full Details

Card Page

Revvi Card

Fast and easy application; response provided in seconds

Intro Purchase APR See website for Details*

Intro Balance Transfer APR See website for Details*

Annual Fee $75 1st year, $48 after

Credit Recommended See website for Details*

Regular Purchase APR 34.99%

Full Details Card Page

Highlights

  • Fast and easy application; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Don’t need perfect credit to apply

Additional Info

  • Manageable monthly payments
  • Secure online application with fast response
  • Protection from fraudulent charges if your card is lost or stolen
  • Improve your credit rating with on-time payments and by keeping your account in good standing
  • May help improve your credit score, by making on-time payments and keeping balance below the credit limit.
  • Build your credit score with on-time payments and keeping your balance below the credit limit.
  • Re-establish your credit by making on-time payments and keeping your account in good standing.
  • Potential to rebuild or improve your credit by making on-time payments, keeping balance below credit limit and paying at least the minimum payment.
  • Rebuild your credit with on-time payments and keeping your account in good standing.
  • Opportunity to request credit limit increase after twelve months, fee applies
    Secure online application; response provided in seconds

 

  • Regular APR: 34.99%
  • Annual Fee: $75 1st year, $48 after
  • Monthly Fee: None 1st year, $6.25 after
  • Activation Fee: $89
  • Intro Rate: See website for Details*
  • Intro Period: See website for Details*
  • Balance Transfer: See website for Details*
  • Credit Recommended: See website for Details*
  • Intro (Purchases): See website for Details*
  • Intro (Balance Transfers): See website for Details*
  • Intro Transfer APR: See website for Details*
  • Intro Transfer APR Period: See website for Details*

Specifications

Intro (Purchases) See website for Details*
Intro (Transfers) See website for Details*
Regular APR 34.99%
Annual Fee $75 1st year, $48 after
Credit Recommended See website for Details*
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 Trans Fee n/a
Balance Transfer Fee See website for Details*

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $75/$99

Credit Recommended Bad/Fair

Regular Purchase APR 23.99% Variable

Full Details Card Page

Highlights

  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your free online access to your Experian credit score, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 23.99% Variable
Annual Fee $75 - $99
Credit Recommended Bad/Fair
Cash Advance APR 23.99% Variable
Cash Advance Fee $5.00/8%, whichever is greater (see terms)
Cash Grace Period 0 days for cash advances
Late Payment Fee Up to $39 (terms apply)
Overlimit Fee N/A
Return Check Fee Up to $39 (terms apply)
Foreign Trans Fee 3% or $1.00, whichever is greater
Balance Transfer Fee N/A

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

See if you are pre-approved within minutes, without affecting your credit score

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0-$72

Credit Recommended See website for Details*

Regular Purchase APR 19.45% to 28.45% *Variable

Full Details Card Page

Highlights

  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 19.45% to 28.45% *Variable
Annual Fee $0-$72
Credit Recommended See website for Details*
Cash Advance APR 24.95% to 33.45% Variable
Cash Advance Fee 4%, Min: $10
Cash Grace Period n/a
Late Payment Fee Up to $40
Overlimit Fee n/a
Return Check Fee Up to $40
Foreign Trans Fee See Terms*
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $39

Credit Recommended Bad/Fair/Good

Regular Purchase APR 23.99% Variable

Full Details Card Page

Highlights

  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • View your Experian credit score online for free, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 23.99% Variable
Annual Fee $39
Credit Recommended Bad/Fair/Good
Cash Advance APR 23.99% Variable
Cash Advance Fee $5/8%, whichever is greater (see terms)
Cash Grace Period 0 days for Cash Advances
Late Payment Fee Up to $39 (terms apply)
Overlimit Fee N/A
Return Check Fee Up to $39 (terms apply)
Foreign Trans Fee 3% or $1.00, whichever is greater
Balance Transfer Fee N/A

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee 0.00

Credit Recommended Fair/Bad/Limited/No Credit

Regular Purchase APR 19.99 - 29.49% Variable

Full Details Card Page

Highlights

  • $0 Annual Fee
  • $500-$5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2%-10% cash back at select merchants
  • Variable APRs 19.99%-29.49%
  • No annual or foreign transaction fees.
  • Build credit alongside tens of thousands of Petal Card members
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you’re pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 19.99 - 29.49% Variable
Annual Fee 0.00
Credit Recommended Fair/Bad/Limited/No Credit
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Late fees up to $29 for first late payment, $40 for second late payment.
Overlimit Fee n/a
Return Check Fee Bounced payment fee up to $29.
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Applied Bank® Unsecured Classic Visa® Card

Fast and Easy Application and Approval Process!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee *See Terms

Credit Recommended Poor Credit, Bad Credit

Regular Purchase APR *See Terms

Full Details Card Page

Highlights

  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR *See Terms
Annual Fee *See Terms
Credit Recommended Poor Credit, Bad Credit
Cash Advance APR *See Terms
Cash Advance Fee *See Terms
Cash Grace Period n/a
Late Payment Fee *See Terms
Overlimit Fee n/a
Return Check Fee *See Terms
Foreign Trans Fee *See Terms
Balance Transfer Fee n/a

First PREMIER® Bank Mastercard® Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Issuer Website

Credit Recommended Fair/Poor

Regular Purchase APR See Issuer Website

Full Details Card Page

Highlights

  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if you’re approved!
  • YOU’RE NOT ALONE – As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers.
  • Manageable credit limit, manageable payment, meant to fit your budget

*Build credit by keeping your balance low and paying all your bills on time every month.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Issuer Website
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
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 Trans Fee See Issuer Website
Balance Transfer Fee n/a

Indigo® Platinum Mastercard® Credit Card

Unsecured credit card, no security deposit required

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $0 - $99

Credit Recommended Fair/Good

Regular Purchase APR 24.9%

Full Details Card Page

Highlights

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Reflex Mastercard®

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Intro Purchase APR See Terms*

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR 24.99% - 29.99% APR

Full Details Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 25.90% - 29.99% APR
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
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 Trans Fee n/a
Balance Transfer Fee n/a

Mission Lane Visa® Credit Card

Instant decision on your application

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $59.00

Credit Recommended Fair

Regular Purchase APR 29.99% (Variable)

Full Details Card Page

Highlights

  • Get a higher credit line if you’re in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.

Additional Info

  • Reports to Consumer Reporting Agencies: Yes

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 29.99% (Variable)
Annual Fee $59.00
Credit Recommended Fair
Cash Advance APR 29.99% (Variable)
Cash Advance Fee The greater of $10 or 3% of each cash advance
Cash Grace Period n/a
Late Payment Fee Up to $35
Overlimit Fee n/a
Return Check Fee n/a
Foreign Trans Fee If the transaction occurs at a merchant outside of the U.S., the fee is 3% of the U.S. dollar amount of the transaction, regardless of whether a currency conversion is performed at the time of the transaction.
Balance Transfer Fee n/a

Surge Mastercard® Credit Card

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Intro Purchase APR N/A

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Good/Fair/Bad

Regular Purchase APR 24.99% - 29.99% APR

Full Details Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!

Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.

Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.99% - 29.99% APR
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Cash Advance APR See Terms*
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee n/a
Overlimit Fee
Return Check Fee n/a
Foreign Trans Fee n/a
Balance Transfer Fee n/a

Destiny Mastercard®

All the benefits of a Mastercard, without a security deposit

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $59-$99

Credit Recommended Poor to Good

Regular Purchase APR 24.9%

Full Details Card Page

Highlights

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $59-$99
Credit Recommended Poor to Good
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 Trans Fee n/a
Balance Transfer Fee n/a

First Digital Mastercard®

Get a result in as little as 60 seconds upon completion of the online application.

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $75.00 for first year. After that, $48.00 annually.

Credit Recommended Bad/Poor/Limited

Regular Purchase APR 35.99%

Full Details Card Page

Highlights

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • You may be eligible for a Credit Line Increase after 12 months.
  • Easy and secure online application – It takes just moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.99%
Annual Fee $75.00 for first year. After that, $48.00 annually.
Credit Recommended Bad/Poor/Limited
Cash Advance APR See website for Details*
Cash Advance Fee Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
Cash Grace Period See website for Details*
Late Payment Fee $40.00
Overlimit Fee n/a
Return Check Fee $40.00
Foreign Trans Fee See website for Details*
Balance Transfer Fee See website for Details*

Total Visa® Card

Fast and easy application process; response provided in seconds

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Terms*

Credit Recommended Fair/Bad Credit

Regular Purchase APR See Terms*

Full Details Card Page

Highlights

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Terms*
Annual Fee See Terms*
Credit Recommended Fair/Bad Credit
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 Trans Fee n/a
Balance Transfer Fee n/a

Net First Platinum

Instant Approval / $750 Credit Line!

Intro Purchase APR 0.00%

Intro Balance Transfer APR N/A

Annual Fee See website for Details*

Credit Recommended Fair to Damaged

Regular Purchase APR 0.00%

Full Details Card Page

Highlights

  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit – OK
  • Always 0.0% APR
  • Fast Online Applications

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 could be available to you faster than you ever thought possible.

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

*See Terms & Conditions for Details

Additional Info

Specifications

Intro (Purchases) 0.00%
Intro (Transfers) n/a
Regular APR 0.00%
Annual Fee See website for Details*
Credit Recommended Fair to Damaged
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 Trans Fee n/a
Balance Transfer Fee n/a

First PREMIER® Bank Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee See Issuer Website

Credit Recommended Fair/Poor

Regular Purchase APR See Issuer Website

Full Details Card Page

Highlights

  • Choose which account management options are right for you.
  • Build credit with First PREMIER*
  • Fill out an application and know in 60 seconds if you’re approved!
  • YOU’RE NOT ALONE – As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers.
  • Manageable credit limit, manageable payment, meant to fit your budget

*Build credit by keeping your balance low and paying all your bills on time every month.

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR See Issuer Website
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
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 Trans Fee See Issuer Website
Balance Transfer Fee n/a

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $35 - $99

Credit Recommended Poor/Bad

Regular Purchase APR 24.9%

Full Details Card Page

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.

* Dependent on credit worthiness

Additional Info

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 24.9%
Annual Fee $35 - $99
Credit Recommended Poor/Bad
Cash Advance APR n/a
Cash Advance Fee n/a
Cash Grace Period n/a
Late Payment Fee Up to $40.00
Overlimit Fee Up to $40.00
Return Check Fee Up to $40.00
Foreign Trans Fee n/a
Balance Transfer Fee n/a

There are Many Types of Credit Cards

As you begin your search for a credit card, you could easily slip into the camp that believes “one offer is as good as the next.” Nothing could be further from the truth, and that’ll never change. It’s nice to know that there are many types of credit cards. Not only does this increase the...

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Can a Secured Card Help You Rebuild Your Credit?

It is becoming increasingly difficult to go through life without at least one credit card.  However, for those with a bad credit history, getting approved for a regular credit card can be next to impossible. For those who are ready to shed the yoke of bad credit or bankruptcy, a secured card could be the...

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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)

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