My credit is less than perfect. Any ideas of a decent credit card to help build my score?

Deal Score0

If I had a choice, I’d like a gas card.

  1. Reply
    Ashley G
    November 25, 2011 at 11:51 am

    Get a card with as low of an interest rate as possible and pay on don’t pay it off everytime, if you pay it off everytime it does help you nor does it hurt you. get a smaller credit card $ 500 is normally a good amount.

  2. Reply
    HR Lady
    November 25, 2011 at 11:57 am

    First Premiere MasterCard. I opened an account with them 1 year ago when my credit sucked and now with on-time payments my score has increased dramatically.

  3. Reply
    Joseph T
    November 25, 2011 at 12:51 pm

    Get a Secured Card

    They give cards to anyone because it is secured by your own money, I.E. you send in $ 500 and they give you a $ 500 limit. The money gains interest and gets returned to you if you cancel the card. Meanwhile you can use it like a credit card and make on time payments to help your credit score.

  4. Reply
    2 Happily Married Americans
    November 25, 2011 at 1:34 pm

    Instead of getting new credit cards, pay off the ones you have, in full, every month. Never charge more than you can afford to pay off. Staying with one company for a long time and having an excellent payment history will do you better than changing cards.

    If this is impossible, pay a little over minimim on each, and pay off the smallest one in full. Then keep paying off the others. Once they are paid off, tear up all but one or two basic cards.

    Leasing or buying a vehicle through the dealer is a good way to build your credit. Make sure its affordable, and that you can pay it early each month. This was probably the best thing on my personal credit record that raised my score.

    If you have lots of bills, but not enough to make payments on all of them, consider a credit counselor; or at the very least, call the companies you owe money to and set up a payment plan that you can afford. I had a bunch of medical bills pile up over a two year period when I was not working, and it took me almost 5 years to pay it all off, but I was able to. Ten years later, I have an excellent credit score and record. Never thought it would happen. But I had to tear up the department store cards, drive cars longer, live in lower rent places until we were married and could afford to buy, and really cut down on extras. You can do it too.

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