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.
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Editor's Rating:
9.0
-
Consumer Rating:
0.0
| Intro APR: |
N/A |
| Regular APR: |
7.90% - 19.90% |
| Annual Fee: |
$39-$79* |
| Intro Period: |
N/A |
| Balance Transfer: |
No |
| Credit Needed: |
Bad
|
Don't know your Credit Score? Click here
- 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
- On-call customer service representatives to assist you with questions or concerns
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Editor's Rating:
8.5
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Consumer Rating: (5 ratings)
8.4
| Intro APR: |
* |
| Regular APR: |
* |
| Annual Fee: |
See Terms* |
| Intro Period: |
* |
| Balance Transfer: |
Yes* |
Don't know your Credit Score? Click here
- Accepted everywhere VISA is accepted
- No Credit Check, Income requirements or bank account required
- FREE Online Access to Account
- FREE Mobile Alerts - Text to your mobile and email
- FREE Bill Pay Service - Pay Anyone Online or Over the Phone
- FREE Rewards Program - Earn 1 Point for every $1 spent
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Editor's Rating:
9.0
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Consumer Rating: (4 ratings)
8.8
| Intro APR: |
* |
| Regular APR: |
* |
| Annual Fee: |
N/A* |
| Intro Period: |
* |
| Balance Transfer: |
Yes* |
Don't know your Credit Score? Click here
- 100% Approval Guaranteed! – No Chexsystems or credit checks, bankruptcy okay!
- Now with FREE Credit Builder!
- Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER!
- Pay Nothing Now! – No deposits or prepayments required to get your card.
- FREE Direct Deposit! – stop paying to cash your paycheck.
- FREE phone and online access to your account!
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Editor's Rating:
7.5
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Consumer Rating: (3 ratings)
9.7
| Intro APR: |
* |
| Regular APR: |
* |
| Annual Fee: |
None |
| Intro Period: |
* |
| Balance Transfer: |
Yes* |
Don't know your Credit Score? Click here
- 100% approval - No credit check required
- Short-term iAdvance Line of Credit - Now available!
- No overdraft fees or minimum balances
- Online Bill Pay - Easily send a check to anyone
- 5% APY Savings Account - Exclusive
- Free Direct Deposit from your paycheck or government check
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Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
* |
| Regular APR: |
* |
| Annual Fee: |
N/A* |
| Intro Period: |
* |
| Balance Transfer: |
Yes* |
Don't know your Credit Score? Click here
- Instant Guaranteed Approval* - no credit check, no security deposit
- Free Direct Deposit - easy access to your funds
- Free Online Bill pay - no more mailing costly money orders.
- Free Money Transfers to other Facecard members - no more spending money on wire transfers.
- Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
- Receive Prewards, which are like coupons, put directly on your card.
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Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
* |
| Regular APR: |
* |
| Annual Fee: |
N/A |
| Intro Period: |
* |
| Balance Transfer: |
Yes* |
Don't know your Credit Score? Click here
- Perfect card for Government/Benefits Checks recipients
- $0 activation with rebate*
- 100% guaranteed approval*/no credit check
- Free direct deposit of your pay or government check
- Free unlimited purchase transactions anywhere where MasterCard Debit card is accepted
- No overdraft fees or minimum balances
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Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
N/A |
| Regular APR: |
7.90%-19.90% |
| Annual Fee: |
$39-$79* |
| Intro Period: |
N/A |
| Balance Transfer: |
No |
| Credit Needed: |
Bad
|
Don't know your Credit Score? Click here
- 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
- On-call customer service representatives to assist you with questions or concerns
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.
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.
