Making your choice of credit card for bad credit as easy as 1,2,3.

Use the menu on the right to select the type of card you’re interested in and read the details of the various credit card offers and deals available to you, when you find one you like the look of then simply press the Apply Now button and you will be taken directly (and securely) to the application page.

Some tips when choosing a Credit Card for Bad Credit rating.

If you find yourself in the position where your credit rating needs some improvement and you need a credit card, there are several alternatives that you can choose.

Many people will opt for the prepaid type of card. However, though prepaid credit cards will certainly prevent you from getting into credit card debt, they do not help you to rebuild your credit score as they aren’t really credit cards, more like a debit card. You really need to choose a normal unsecured credit card.

If your credit needs improvement or you have a bad credit score then the chances are that you will be unable to get a regular no annual fee card from mainstream credit card issuers. Now, having said that, given the current financial climate, there are many issuers who specialize in people with bad credit scores. However, these credit cards will almost always come with fees that you should be aware of.

Initial Application Fee – Many charge a one time application fee that can be as high as 100 dollars and in some extreme cases even more.

One time processing Fee – In addition to that, most will add another layer of so called “processing fee”.

Annual Fee – The fee you will be required pay every year for the “privilege” of using the card.

Monthly Processing Fee – Many of these card issuers will additionally charge a monthly processing fee, which can range from $5 to $15.

Hence, when you have added all these charges up, you may end up paying over a hundred dollars just to get a card and then you still have to pay the annual fees as well. However, when you are in the situation where your credit rating isn’t good, then you really have to take what is available in order to start to rebuild your credit score. The real key to rebuilding your credit is actually quite simple, you should always pay your bill on time and where possible in full, this will improve your credit score over time and then you will be in a position to get a regular no annual fee credit card.

What exactly should you look for in these cards?

When you are choosing these type of credit cards for bad credit, then you can help yourself by looking out for the following things.

Reputation of the credit card issuer – Believe it or not, it is relatively easy to be a credit card issuer (most set up their operations in Delaware). You should make sure to choose a card issuer with a decent reputation within the industry, particularly the main 3 credit reporting agencies.

Reports to Credit Bureaus – The purpose of getting cards for bad or poor credit is to rebuild your credit score so that you can evetually get a no annual fee credit card. Therefore, you absolutely must make sure that the credit card company reports regularly (ideally monthly) to the three major credit bureaus, TransUnion, Equifax and Experian.

Low Fees – Well, almost goes without saying really, you want to try and pick a card where the fees as low as possible, the fees for each of the cards on this site are displayed clearly and openly, there is nothing hidden.

Low APR – Most of these cards have APR in the mid teens or higher, which is the issuers way of mitigating the risk that you won’t repay the debt. But there are some cards which have an APR below 10%. If you think that you will carry over a balance (the best advice is not to), then the APR is an important consideration.

Feel free to browse around the site and see the various credit card offers available, then compare credit cards and choose the one that suits your needs best.