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In my nation, it is hard to apply credit card, normally the bank will only approve your application on the condition that you are full time employee with min monthly salary of RM1.5k. It doesn’t mean that every country is also the same, they even allow you to apply bad credit credit cards with ease and fast approval when you have bad or low credit score.
I don’t like debt at all, that’s why I will make sure that I will clear my credit card statement every month in order to maintain good credit score so that I can easily apply home loan, house loan and other type of loan in near future. Credit card really makes my life easier and convenience, but I admit that it has disadvantages as well if you have never use it properly.
Like some of my friends, they are really make me so disappointed because they owned many credit card debt, they are now faced difficulty to pay off all the debt. Nothing much I can help because I don’t have too much money to help them because I’m not a rich person, the only thing that I can do is that to recommend them to apply for bad credit credit cards, I just hope that they can rebuild their credit or improve their credit score.
If you have bad credit score right now, don’t worry, perhaps you can try to apply bad credit cards, they are really worth taking to improve your credit report!
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Thank you for your post . It is advantage for me.
This is good advice that you have provided your friends. However, I would add one caveat- make sure that whatever credit cards that your friends apply for actually report to the credit bureaus. If they don’t, these “bad” credit cards won’t do anything to help improve their credit scores.
You rock. World needs more souls like you.
I am amazed with it. It is a good thing for my research. Thanks. ^_^
those bad credit -credit cards might not be around much longer if the laws that their trying to pass take affect..might be putting alot of people out of work also….
When it comes to applying for bad credit credit cards then you should be aware that there are three types of credit cards that you can apply for. Your first option can be a normal unsecured credit card, the second a secured credit card and the third a pre-paid credit card. However, before applying confirm with the provider whether your account will be reported to the credit bureau or not.
Your blog is so very informative � keep up the good work!!!!
at one point in our life we will always have some bad credit because of some unpredictable factors,,
bad credits can happen at any point in your life so be prepared to always get some extra income :~,
Great advice about credit cards – and I agree with the comment about making sure the “bad credit” card companies report positively to the credit bureau’s, otherwise they’re worthless and you’re going to pay too much in interest for minor purchases.
If you are having trouble getting approved for a credit card, you can always use a secured card. It works just like a debit card, but reports back to the credit bureaus. Over time it can improve your credit history and allow you to qualify for an unsecured card. It helps if you apply through the same credit card company as they already have a good history with you.