Getting a Credit Card

Common myth would have you believe that you cannot get a card if your credit is damaged. Nothing could be further from the truth. Not only can you qualify for a card, you can even choose from several cards. There are, of course, some caveats.

First, all subprime credit cards share at least one characteristic: fees. Whether in form of an application fee or annual fee, late payment fee (finance charge) or security deposit, all subprime cards have one or more fees associated with them. The key is finding the one that best meets your needs and the manner in which you intend to use the card.

Second, read the fine print. Always read the terms and conditions of the credit card so you know what to expect. Fees will seem exploitative only when they come as a surprise.

Third, you should realize that the subprime market (i.e., individuals with damaged credit) is one preyed upon by many issuers. Bogus or deceitful offers are not uncommon. Some of the offers out there make getting stomped on by a 10-foot grizzly seem like a birthday present. But you will never see them here on our site.

Which credit card to choose?

Search and apply online for a Visa credit card, Chase credit card, Discover credit card, Capital One credit card, MBNA credit card, Citibank credit card, Bank One credit card and more!

Do you want a free credit card?

Feel free to check out the resources on this page