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Getting a Credit Card With Less Than Perfect Credit |
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Having bad credit won't prevent you from getting a credit card, but it will make it more difficult. Follow these steps to get credit card financing, despite your bad credit.
- Apply for credit cards at smaller retail stores. Sometimes these companies are more willing to give you a chance. If your application is accepted, make a small purchase and pay at least the minimum payment every month and on time. (If you pay more than the minimum payment, you won't pay as much in interest charges.)
- Go to your bank, savings institution or credit union. If they already have your business, they may be more willing to give you a credit card.
- Apply for a secured credit card if all else fails. You will be required to open and maintain a savings account as security for your line of credit. Your credit line will be a percentage of your deposit.
- Ask a friend or family member to co-sign for a credit card. Remember that their credit counts as well, so choose someone with good credit. If you can't pay back the loan, they must, and it will appear as a blemish on their credit rating.
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Saving Money 
