We are working hard to make your decision making process as easy as possible. Below is a list of credit cards that are designed for individuals with bad or no credit rating.
If you are looking for a different type of card or simply want to inquire about other cards available, simply click on your criteria on the listed criteria’s on the left and we’ll do the rest. You can compare the details of each card and view the description of the benefits each card offers prior to applying for your credit card.
A credit card entitles its holder to buy goods and services based on the holder’s promise to pay the creditor for the goods and services in the future. The issuer of the card grants a revolving line of credit to the consumer (or the user) from which the user can borrow money for payments to merchants or as a cash advance to the user at a predetermined cost.From time to time we all make mistakes that may have an adverse effect on our credit rating. Regardless of why and how these mistakes are made, we at Getmoney.com believe everyone deserves a second chance to re-build their credit.
A credit card that reports to all three major bureaus is just the start you need to get your credit back in order or to build credit if you don’t have one.
Apply for a credit card that accepts BAD CREDIT or NO CREDIT and REBUILD YOUR CREDIT!
What will it take to pay off my credit card?
Enter your credit card balance: $
Enter the credit card's interest rate:
Enter payment amount per month: $
Enter desired months until debt free:
Be sure to look at monthly fees and all costs associated with your prepaid or no credit required credit card.
Commonly used terms associated with a credit card are:Cash rate, Most institutions charge a separate, higher interest rate, and a cash advance fee (ranging from 1 to 5% of the cash taken) on cash or cash-like transactions. These transactions are usually the ones for which the institution receives no transaction fee from the payee, such as cash from a bank or ATM.Default rate, Many banks since 2000 have a contractual default rate which is typically much higher than the regular APR. The rate takes effect automatically if any of the listed conditions occur; one or two late payments, returned payments (such as an NSF check), exceeding the credit limit and in some cases any reduction of credit rating or default with another lender.Variable rate, Many credit card issuers give a rate that is based on economic indicators published by a respected journal. For example, institutions in the U.S. offer credit card interest rates may be based on the lowest U.S. Prime Rate as published in the Wall Street Journal. For example, a rate given as 5.99% plus prime will be 10.99% when the prime rate is 5.00%. These rates usually also have contractual minimums and maximums to protect the consumer and the institution from wild fluctuations of the prime rate. A fixed rate is more suitable for consumers who have fixed incomes with strict budgets.Grace period, With most credit card issuers no interest is charged on an ending statement balance that is paid in full by the due date. This allows card holders to use credit cards for the convenience of having one payment, one invoice payable with one check per month rather than many separate cash or check transactions. Promotional interest rate, Many credit card issuers offer low interest rates for a certain number of statement cycles to attract new customers and or entice the card holder to transfer their balances from other credit card issuers.Minimum Payment, The minimum credit card payment due every month.