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Getting Bad Credit Unsecured Credit Cards

Rejection is probably something you are familiar with if you have bad credit and have been trying to get a credit card Now a days, the credit agencies are very discerning about who they will give their credit to, especially new customers. Usually, you will be told that the best route is to obtain a secured credit card in order to raise your bad credit and to get you moving in the right direction. But look at it this way, these secured cards are no different that a normal debt card, you don’t get extra cash most of the time which you may need. But there are methods to get a bad credit unsecured credit cards, but you have to know just what to do to get them.

Go To Your Bank

The easiest and top way to get an unsecured credit card if your struggling with your credit to go to the bank you use. It helps even more if you have been a long time customer as well as having both savings and checking accounts with that particular bank. But of course, a credit check will be ran and you will have quite a low limit on the card. Over time however your cards limit will rise if you show you are stable financially.

Why Your Bank May Help You

Your bank tends to help out those who have a history with them, something you do not have with credit card issuers. The bank will already have total access to all of your financial records and past. And if you have a direct deposit with them from your work, they will have solid proof that you have income and the ability to pay a credit card balance every month. Most people who are actively searching for bad credit unsecured credit cards usually find what they are looking for with the bank their main accounts are in. If you do have a checking or savings account with a bank, go to them personally and apply for a credit card.

Other Options for Unsecured Cards

If your history with your bank account is poor, or you don’t have one at all, you will probably have to deal with secured cards before you can move on to the unsecured ones. It really can be a pain, but you can improve your rating by keeping up with a secured credit card balance. After your credit gets back up to a good level, offers for unsecured cards will follow. While it can take quite a longer time thank going to your bank, the secured credit card route will work if you remain consistent and stick with it.

About The Author

Ben Todd

Ben was a seriously broke graduate student with bad credit who after finding himself rejected for any sort of credit card or loan for most of his adult life, finally decided to get his financial life in order. ' He spent several years reading as many financial advice books and blogs as he could. And suprisingly, Ben found he actually LIKED the topic of personal finance; after fixing his own finances, starting his own successful work at home website business, and using his earnings to get out of debt, created to help others do likewise!

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