bad credit credit card?

Bryan Avinger: If you get card offers in the mail - apply on one of those - no fee if possible.Otherwise - get a "take one" application at a merchant and apply.If you really have bad credit - go to Citibank or Bank of America and apply for a "secure card" - you will need to put up money as collateral - and your credit line will be equal to what you do put up. You will earn interest on that deposit,Pre-paid cards do NOTHING to establish credit as they are NOT credit cards....Show more

Abraham Ladick: Bad credit credit cards have been developed for people with poor credit and want to improve their credit rating. There are two types of credit cards: secured and unsecured credit cards. You have to choose between these two, based on various factors with the stable income being the crucial one.

Julienne Poplawski: Past due payments stay on your credit report for three years, charge offs, repossessions, foreclosures, and bankruptcies even longer. So to go from 400 t! o 700, I would guess it will take at least 1 1/2 to 2 years if you keep everything on time that long.

Dulcie Edis: You can definitely get a secured card, and may even qualify for an unsecured credit card.But not all cards offer the "credit rebuilding" feature of reporting your timely payments to the major credit bureaus.Be sure the card offers these features:#1 Reports to at least one credit bureau#2 Does not have an annual fee above $300#3 If the card claims to be "unsecured", make sure it is indeed a regular unsecured card. There are some unsecured cards that are 'shopping cards', which means you cannot use them for buying groceries, clothes, etc, you can only use them to buy products from one particular website. Those types of cards are like the cards you get from Sears, WalMart, etc, where you can only use the cards to buy from them.You can find real unsecured credit cards like Visa and MasterCard, as well as secured cards at Credit Federal...Show more

Arlen! Decorte: A lot longer than when going from 700 to 400.

! Joaquin Dronko: There are other ways to build credit other than with credit cards. Start by working to pay off the bills in a timely manner. Getting a credit card will only make it easier to spend money you don't have which then starts accumulating interest. After time, you have difficulty making the minimum payments and you are now in worse shape than you were in before you got the credit cards. Stick with using cash or at worst a DEBIT card which will pull money directly from your checking account to pay the bills...Show more

Cliff Jacoby: making payments on time helps.pay off a large purchase gives big boost.

Gilberto Cratin: Paying bills on time maybe 2 years... It takes time

Marcelina Schossow: They do care, because once you report that there are charges that aren't yours, they have to take them off your account. Chase called me at home once when for 2 days in a row someone had did a Western Union money transfer using my account number. I had not ! made them.

Violette Vanek: lets say i start making regular payments on a condo.. car.. credit cards... phone bill.. electric bill.. cable.. car insurance.. over a 6 month period of time... would it go up 200 points?

Randa Hessell: If i move to another state will the statue of limitations start all over again. I moved from WA with 6 years of SOL i was there for 5 years to CA that has 4 years SOL..How does it work? The loan was originated in Texas five years ago.

Chris Rosenkranz: Companies in the finiancial sector, as with all businesses, are primarily concerned with maximasing their net profits. So I would imagine that it would be in their best nterests to tackle the issue, otherwise consumers will stop filling out credit applications, and their existing customers will stop using their cards. Nobody wants to be forced into debt which they have willingly accumulated themselves. However paying money to a bank to protect your card is not going to prevent, so! meone hacking into your computer's internet connection, and secure onli! ne shopping is seen as the responsablity of those who make the money through e-commerce. And fraudsters don't even need the details of your pre existing credit card, because if they have your name and your address, and any accepted documentation to prove that they are you, they can apply for a new credit card with a DIFFERENT COMPANY, and one which you have given none of your custom to. So I don't see how this kind of insurance works, because businesses tend only to reward the consumers loyal to them.

Filiberto Amauty: There you go : http://simple-credit-cards-and-loans.comAnd because fixing your credit is a priority : http://index-go.com/improve-credit-score-get-out-o...Good luck !...Show more

German Thal: Your best bet is to start out with a secured credit card. You will have to put down a deposit of $300 to $500 dollars.

Monica Voltin: Orchard Bank, Household Bank and Merrick Bank have the best for poor credit card holders and not such high fees and int! erest rates. Merrick gives you a higher credit limit, but househols has no fees/ You can apply to them online

Hyman Coren: Caterina is correct, to secure a line of credit at this point you will have to provide some collateral. Deposit a lump sum in at GIC or other interest bearing account that is locked in for a period of time. Then ask for a credit card secured against the funds.

Carli Watterson: They seem to be making money off fraud, just got an email from chase wanting me to give them $7.99 a month to protect me from fraud.

Elvie Drumgoole: I'm so glad to hear you're trying to rebuild your credit - just deciding that is an important step many people never take.Some good ideas for getting a credit card have already been suggested, but have you also considered getting a free credit repair consultation? http://mortgageous.com/healthy-credit A reputable credit repair organization can help you get harmful entries removed from your credit reports and the! y can even help you negotiate lower rates and settlements with your cre! ditors. You can try to do those things on your own, but it's a lot easier with specialists helping you out.Good luck and good credit!...Show more

Salvatore Walls: Really, making regualar payments on phone bills, electric, cable, and car insurance will not affect your score unless you are in default on those things. Usually utilities are not reported to your credit report. So concentrate on paying your mortgage, auto, credit cards (I am not saying neglect your other bills, just make sure the ones being reported to your credit report are being made 1st). 2nd make sure you have no more than 2 major credit cards and that the balances on those cards are less than 40-50% of the available credit. Any more than 2 cards is a major red flag and will affect your FICO in a negative manor. The longer your 2 credit cards are open and have a balance of less than 40% of the avaliable credit the higher your score will go.The FICO system is specifically designed to move slowly, so! be paitent and stay the course...you will see results in time.Good Luck!

Ariel Arons: You need to check out this video on how to increase your credit score by using a 100% legal loophole. Here is the video URL: http://www.creditscoresecret.orgI was able to get to 595 from 489 in just one day and from 489 to 748 in just a few week; that's pretty fast in my book. Good luck!

Lourie Mcroberts: Orchard Bank and First Premier Bank have cards for people with bad credit the fees are high but it's worth it if you want to reestablish credit and they both report to the 3 credit bureaus so that's a plus

Cliff Tyre: Depending on why your score was low to begin with it could take you 2 years to reach a 700 or higher score. Do you have outstanding collections? If you do then you will have to pay those off in order to start increasing your score.

Brittanie Zakutney: The statute of limitations that applies is Texas, as that is where the loan originated. In Texas,! it is four years from the point the loan was either last paid, last ac! knowledged, or written off to a collection agency. For example, say you took the loan 2/1/2004, and made payments until 12/1/2005. If you made no other payments, it was probably written off to a collection agency six months later (6/1/05), so the statute of limitations would end 6/1/09.If after it was written off you made a payment in 2006, that payment restarted the four year clock.If a collection agency calls you now, even after a statute of limitations might be over, and you acknowledge the debt is yours, the SOL starts over.Hope this helps.

Clemente Schoeck: you can go for a secured credit card--you give them, let's say, $500 and they give you a card with a $500 limit. after a specified time period, if you've made all payments in a timely fashion, they'll return your deposit. they do report to the credit bureaus, so it will help you re-establish. Don't go for the cutthroat cards--premier, orchard, etc.--they'll rip your head off with fees and rates.

Donne! ll Nocella: It depends how effective you are at cleaning up your credit.There are many free, legal credit repair methods that could help you achieve your goal.Learn how to repair your credit here:

Jed Mutone: Paying off collection accounts in no way improves your credit and may, under certain circumstances, HARM it by lowering your scores.Once an account goes into default, it is a derogatory mark against your credit. The derogatory nature, PLUS the "date last reported" combine to cause deductions to the score, even if the account has been paid off. If the date last reported falls within the past 12 months, the deduction can be huge. In the simpliest terms, a credit report is a history of how you have managed debt in the past. So, obviously, the recent past (last 12 months) has the most impact on your scores. Any derogatory mark falling within that time frame is a "score killer". This is the reason that paying off old collection accounts don't help your credit. They of! ten cause the account to (confusingly) appear to be more recent.The onl! y true way to improve your credit is to pay a collection account in exchange for its' REMOVAL from your credit. Unfortunately, this is not easily accomplished. However it is still worth the effort because that is the only way to actually improve your credit by paying defaulted debts. Raed more from: http://www.credit-card-forums.com/thread/2204

Elinore Schlinker: Hi, try to go on this website: http://www.gotoinfolink.comThey have a section about bad credit.Hope that help !Jeff

Sherrill Botting: It takes three months for one credit card to go positive on your credit score.. It can take up to a year to make that large of a jump.

Shandi Wedge: Bad credit is one of the worst problems to have... however there exists a solution.I will hereby talk from my personal experience.I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,if someone wants to get out of debt today it is pretty easy with a debt conso! lidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :http://umgarticles.atspace.com/debt-consolidation....if it helps kindly remember me in your voting!.. cheers!...Show more

Jannette Kotz: They do care about fraud. Fraud costs them money. The credit card companies also see it as a service they can offer to their customers to help you. Technically they cannot protect you from fraud. They can monitor all of your financial activity on a daily basis and any suspicious behaviour they can report to you immediately. Which cuts down on their and your liability and your time and energy to get corrected.There are a lot of agencies now offering this service for a fee, due to the increase of identity theft in the market place today.It is a personal decision to decide if you need this service or not! .