Are you faced with mounting credit card debt? Get a debt consolidation card to combine all of your credit card balances onto a lower interest credit card. If you’re getting deeper in debt with each passing month, now rather than later, is the time to find the right one for you.
Bad credit debt consolidation options depend on your individual situation.
The type of debt consolidation tool you choose will depend on your situation. Review all of your credit card balances, their associated interest rates and your recent credit score. If your credit score is above 650, you might be able to qualify for a zero or low interest balance transfer credit card. However, if your credit score has been damaged by too much credit card debit or frequent late payments, you will probably need to look toward a bad credit debt consolidation option. Among these are secured and unsecured credit cards. Secured credit cards require a cash collateral deposit that serves as your credit line for that account. Some will also allow you to offer collateral to secure your credit line, such as the equity you have in a house or a car. Both secured and unsecured bad credit debt consolidation cards will generally charge annual fees. However, the application fees and other fees can vary considerably depending on the card so pay close attention to the fine print.
Some of the offers on this page are fee-based. FICO scores/credit 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 First PREMIER® Bank product.
Get on the fast track to credit card debt recovery.
Credit card debt can be overwhelming but it doesn’t have to be. Be honest about your situation and all of your debts. Find the solution that works for you and take action now. You’ll be on your way to recovery before you know it.
The following credit cards may be able to help build, rebuild, or re-establish your credit if you make on time payments with all of your creditors and maintain your account balances below the credit limits.
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Editor's Rating:
9.0
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Consumer Rating: (20 ratings)
8.9
| Intro APR: |
0%* |
| Regular APR: |
as low as 11.99% Variable* |
| Annual Fee: |
None |
| Intro Period: |
12 Months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% APR on Balance Transfers for a FULL 12 months
- 0% APR on Purchases for a FULL 6 months
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
- Instant Response within 60 seconds
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Editor's Rating:
9.5
-
Consumer Rating: (19 ratings)
9.1
| Intro APR: |
0% |
| Regular APR: |
As Low As 11.99% Variable |
| Annual Fee: |
None |
| Intro Period: |
Up to 15 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% APR* on balance transfers and purchases for up to 15 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
- Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.
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Editor's Rating:
9.5
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Consumer Rating: (7 ratings)
9.6
| Intro APR: |
See Terms* |
| Regular APR: |
As Low As 15.24% |
| Annual Fee: |
No Annual Fee |
| Intro Period: |
See Terms* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% Intro APR for 6 months on purchases
- No Annual Fee
- Earn Membership Rewards(R) points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now
- Express Approval. Get a decision in less than 60 seconds.
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Editor's Rating:
8.5
-
Consumer Rating:
0.0
| Intro APR: |
0% |
| Regular APR: |
As low as 13.24% Variable |
| Annual Fee: |
None |
| Intro Period: |
up to 12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% Intro APR for up to 12 months
- No Annual Fee
- Pay down balances on your terms with Blueprint(SM)
- Zero Liability on unauthorized purchases
- E-mail and text alerts
