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.
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 ontime payments with all of your creditors and maintain your account balances below the credit limits.
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Editor's Rating:
7.0
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Consumer Rating: (8 ratings)
7.4
| Intro APR: |
0% |
| Regular APR: |
7.90% - 15.99% |
| Annual Fee: |
$0 - $79 |
| Intro Period: |
6 months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Bad
|
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- 0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants*
- Acceptance at millions of locations worldwide, including website purchases and reservations
- Your account information is updated and at your fingertips 24/7 so you can manage it your way
- Email and text messages to remind you of your upcoming payment due date with online enrollment
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Editor's Rating:
9.0
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Consumer Rating: (5 ratings)
9.6
| Intro APR: |
See Terms |
| Regular APR: |
See Terms* |
| Annual Fee: |
See Terms* |
| Intro Period: |
See Terms |
| Balance Transfer: |
See Terms* |
| Credit Needed: |
All Types
|
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- Low APR on purchases
- Reports monthly to 4 Major Credit Bureaus
- A Credit Card for Those with Less than Perfect Credit!
- Quality Customer Service
- Accepted where you see the MasterCard or Visa logo
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Editor's Rating:
9.5
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Consumer Rating: (13 ratings)
9.5
| Intro APR: |
0% |
| Regular APR: |
As Low As 7.49% |
| Annual Fee: |
None |
| Intro Period: |
up to 12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
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- 0% APR* on balance transfers and purchases for up to 12 months
- No annual fee
- Citi® Identity Theft Solutions
- $0 Liability on unauthorized purchases
- Secure, free online account management
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Editor's Rating:
9.0
-
Consumer Rating: (15 ratings)
8.7
| Intro APR: |
0% |
| Regular APR: |
10.99% |
| Annual Fee: |
None |
| Intro Period: |
12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
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- Earn more cash in more ways than anyone else(SM)*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
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Editor's Rating:
9.0
-
Consumer Rating: (7 ratings)
9.4
| Intro APR: |
0% |
| Regular APR: |
9.99% |
| Annual Fee: |
None |
| Intro Period: |
12 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% Intro APR for up to 12 months
- The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
- No Annual Fee
- FREE Online Account Access
- FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
