bad credit card?

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I HAVE BAD CREDIT FROM MEDICAL BILLS. (ONLY ABOUT 1,300.00) IM LOOKING FOR A CREDIT CARD TO HELP REPAIR MY CREDIT WITH NO ANNUAL FEE. I TRYED VISA SALUTE, BUT THEY WANT ME TO SEND IN 20.00 TO START. 🙁 IVE LOOKED IN ALOT OF PLACES ONLINE AND ON YAHOO ANSWERS. SO, IF A REAL GENIUS CAN COME UP WITH A GOOD ANSWER LET ME KNOW. IM SICK OF GOING TO CRAPPY SITES AND GETING NOWHERE. THANKS SOOO MUCH!
Weh I still cant get one. And that VISA salute has a fee each month, i read up on it, and that is about 120.00 a year. 🙁 eiiks. i guess ill pass

6 Comments
  1. Reply
    niquey
    July 21, 2011 at 12:23 am

    Go to chase.com and apply for a credit card or even Bank of America or even HSBC. try bank credit cards with no annual fees.

  2. Reply
    Nicole
    July 21, 2011 at 1:09 am

    I went to Goggle and typed in credit cards with bad credit and a bunch of stuff came up. I would not pre pay or anything like that, just be careful of the crappy web sites. I went to http://www.creditcards.com.
    You might want to do a credit report and credit score on yourself, your credit might not be as bad as you think. http://www.anualcreditreport.com, they are free by law you are allowed 3 free reports per year.
    Good luck.

  3. Reply
    D D
    July 21, 2011 at 1:33 am

    OK, I’m really not trying to be smart-assed about this, but if you can’t send in 20 bux to start a card, why would you expect any company to extend you credit? Is it that $ 20 is too much? ANY card that you carry a balance of about a hundred bucks or better is going to be a payment on 20 dollars…

    I am sorry about this answer, I know it isn’t SPECIFICALLY what you are looking for, but I really don’t understand your reservation

    To actually answer your question, if you have “dinged” credit, you are going to pay a relatively high interest rate, no matter WHAT card you get, so keep that in mind, as well.

    While I haven’t had a whole lot of luck personally with CapitalOne, they offer more programs than I have seen, and can probably get you into a card… Don’t miss a payment – not even by ONE DAY – they will nail you to the wall with interest rate hikes, and late fees.

  4. Reply
    rivasj27
    July 21, 2011 at 1:40 am

    if you have bad credit you can’t get a credit card.You will be stuck with those one’s you just mentioned and they do you no good because the interest is so high and the fee’s are so high that after they charge you there is no room left on the card.

  5. Reply
    gza170382800
    July 21, 2011 at 2:08 am

    CapitolOne will give almost anyone their basic card & there is no annual fee’s

  6. Reply
    alyonafrendo
    July 21, 2011 at 2:39 am

    Bad credit is one of the worst problems to have… however there exists a solution. I will hereby talk from my personal experience. I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details, if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times,

    I suggest you get as much information as possible online on this first, a good place to start in my humble opinion is astraight to the point ebook with question and answer I found : http://www.counselingcreditcarddebt.com

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