Generally defined as a score lower than around 619, bad credit can keep you from getting a job, a loan for major purchases such as a home or a car and it can even make a difference on the rate you’ll pay for auto and health insurance. If you suspect that your credit is bad, the first step is to obtain a copy of your credit report and review it for inaccuracies.
Unsecured credit cards offer credit repair options.
Bad credit isn’t forever. Unsecured credit cards can get you on the road to recovery. Properly managed, meaning payments made on time, your unsecured credit card can rebuild credit by reporting monthly to the major credit bureaus. Some of the offers on the page are "fee-based". By taking control of your financial situation and applying proven techniques, you can break the cycle of bad credit.
Take action now to improve your negative credit personal history.
There’s no time like the present to improve your bad credit personal history. Unsecured bad credit cards can be a ticket to credit repair. Take note: delaying action only prolongs the pain.
With the prevalence of credit fraud and identity theft you may find that the credit report has erroneous information. If so, there are steps you can take to dispute the charge. However, if your report reveals that the negative history is actually yours, you’ll want to begin immediately to take steps to repair it. Check out links and comments on how to get out of debt.
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Editor's Rating:
9.0
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Consumer Rating: (5 ratings)
9.6
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- Low APR on purchases
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- Reports monthly to 4 Major Credit Bureaus
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Editor's Rating:
8.5
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Consumer Rating: (4 ratings)
8.0
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- Great APR on purchases - Great Credit Card
- Reports monthly to 4 Major Credit Bureaus
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Editor's Rating:
8.5
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Consumer Rating: (2 ratings)
8.5
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| Balance Transfer: |
See Terms |
| Credit Needed: |
All Types
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- Low APR on purchases
- Peace of mind with PREMIER Credit Protection®
- A credit card you can trust
- 24 hour account access by phone
- Reports monthly to 4 Major Credit Bureaus
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Editor's Rating:
9.0
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Consumer Rating: (4 ratings)
8.8
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Editor's Rating:
8.5
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Consumer Rating: (4 ratings)
7.8
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See Terms |
| Credit Needed: |
All Types
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- Competitive APR on purchases
- Designed for people with less than perfect credit
- Knowledgeable, Quality Customer Service
- Available PREMIER Credit Protection®
- Reports monthly to 4 major Credit Bureaus
- Genuine MasterCard/Visa credit card - not a debit card
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Editor's Rating:
0.0
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Consumer Rating:
0.0
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Don't know your Credit Score? Click here
- FREE activation with NO annual or monthly fees!
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Editor's Rating:
0.0
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Consumer Rating:
0.0
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Don't know your Credit Score? Click here
- Reloadable prepaid Visa® card for 18-25 year olds.
- No activation fee, no monthly or yearly fee.
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Editor's Rating:
8.5
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Consumer Rating: (5 ratings)
8.0
| 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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- Reports monthly to 4 major Credit Bureaus
- The PREMIER credit card for those with less than perfect credit
- Quality Customer Service
- Great things come in small packages
- Available Credit Protection
- Got a minute? Get a response
It's imperative to make your monthly minimum payment to improve your credit.
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. Making all payments to all creditors on time and keeping balances below the credit limit can assit in demonstrating a more solid financial situation.
