What credit card companies give you credit cards with bad credit?

I have really bad credit. I need some advice on where I can go to get a credit card for FREE! Everyone wants $100+ dollars to open a card. And, every card offer I can get is a load as you go. Basically I borrow my own money! Please Help and Thank you!!!|||Check out Capital One. I was approved four months out of chapter 7. The link will show you all that they have to offer, is set to "credit needs improvement", check the other tabs if you think you might qualify. If you are approved it will be no less than $300, and when you make your first 3 payments on time they bump it to $500. Has a fee of $19, billed at close of first monthly cycle, then yearly.


Those "load as you go" cards are secured cards, and you have to have absolutely horrible credit to go that route. If I had $300-$500 to set aside as a deposit and sit on it for a year, plus pay the fees associated with opening an account, just in hopes of getting a un-secured card for $300-$500 a year from now, I would go open a CD at the bank and let it build interest. The bank would be more apt to give you a loan in a month or two, especially if you pledge the CD, and let the lender know you are trying to build your credit - with their services.|||You can visit http://www.debteraserzone.com and find very useful tips and several articles on credit card related matters.

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http://www.orchardbank4u.com

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|||Hi,


You could find out at this site.Check under "Credit Card for Bad Credit":


http://track.acclaimnetwork.com/apn_work鈥?/a>|||First Premier will give you a card, it starts with a $250 limit and only $70 of it is available after fees. Min monthly payment is $20. 9.9%apr unless you overdraw it or miss a payment then it goes up to 19.9%. It's not the best card the fees suck, but as long as you make payments on time and don't overdraw it it will help you rebuild your credit.


www.firstpremier.com|||Try Total Visa, Imagine Credit Card, Orchard Bank, Premier Credit card|||If you have bad credit, you might have to live with a secured card for a while until you can establish yourself as a good credit risk. Even then, you will probably pay higher than average interest.|||Be very careful of these sub-prime lenders for credit cards. Some of them charge very high yearly fees, membership fees, and monthly charges just to have the card, not to mention high interest rates.





Some sub-prime lenders that are legit are:





Capital one


Orchard Bank


HSBC bank (owns orchard bank)


Target guest card (store card) good for people trying to re-establish credit.





Do not fall for total visa, Imagine, First Premier, or others. Some of them charge as much as $150 a year with a membership fee charged each month as well... some of these cards also have fees so high that your initial credit limit starts at $350, but your start up fees are so high your credit limit drops to 25 to 30 dollars before ever using the card! So be very careful and read all fine print!





A card like these mentioned above is going to hurt your credit right from the get go. The reason it will hurt your credit is simple. Your credit score is partially based on utilization of credit. Utilization of credit is the cushion between your balances and limits on cards. So if you start your card out with high utilization you will do nothing but harm your credit score greatly. To have proper utilization of credit cards...you must keep a huge cushion between your credit limit and your balances on each card. These cards are not going to help you get established until you pay off their fees and get your utilization down to 25% or lower!








Cap 1 is great for getting credit back on track!


Orchard bank is also great!





Try those two above first! Charge as little as possible. Do not charge over 25% of your credit limit. Pay off most of it each month and keep only a few dollars in your balance! You could keep as much as 25% without negatively effecting your score though! Good Luck!|||orchard bank and providian