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Bad credit cards are those specifically aimed at helping those with poor credit ratings, or even no credit ratings. Although at the moment the credit industry is feeling the pinch, there are still credit cards available for those with poor or bad credit. However, if you consider that you fall into this category, or have been experiencing difficulty obtaining a credit card because of your credit file, there are a few aspects of adverse credit cards that you need to be aware of.

The first is that credit companies offering cards to those people who have an adverse credit history are taking a greater risk than they might be with those who have good credit ratings. You might consider this unfair – perhaps there are mitigating circumstances in your past that mean that you are being declined for reasons that don’t seem entirely clearer to you.

If this is the case, then you have a certain amount of control, and whilst the figures in black and white seem to suggest that the offer on the table is fixed, in many cases you might find that the underwriters have some control, and if you do have mitigating circumstances and can prove the case, then although there is no guarantee, you might find that the rate is reduced slightly. In some cases what might happen is that the account is monitored and after a period of a few months, as long as the account has been kept in good order, the rates may be reduced, the limit raised or some other benefit provided to you.

In some cases this happens automatically, and you might find that if you open a bad credit card account you will receive notification a few months later advising you that your credit limit has been raised or the interest rate lowered. This will provide you with an incentive to keep your account in good order.

Another major benefit of this relates to your credit file. If this contains adverse credit information, whether a few missed or late bills or even court judgements or bankruptcy, then it will be important to repair this and improve your credit score.  If you have successfully secured a bad credit card you will have the opportunity to take the first step to achieve this. By making payments regularly, and in full if possible, with no late or missed payments registered, you can help to improve your overall score.

By improving your credit score using this credit card you provide the option in the future for opening a standard card that will almost certainly have a much lower rate of interest and fewer charges. For many people, a credit card for those with bad credit is the first rung on the ladder to recovering or rebuilding a good credit file.

Credit cards for those with bad credit are not guaranteed, and if your credit file is very poor you might find it difficult or impossible to be accepted. For most, however, options are available, although they could take a bit of finding. You should be aware of the fact that if you make too many applications to firms specializing in bad credit cards this will reflect on your credit record.  Each company to which make an application will carry out a credit search, and this search will be recorded on your record, leaving a bad credit search footprint. The more such footprints, the lower your credit score.

It is often worth getting hold of a copy of your credit file so that you can see specifically what is on it that could be preventing you from being able to open a standard credit card. If the information is inaccurate, this needs reporting and you should be able to have it removed.

You may also be able to include your own notes on your file which explain certain entries, giving additional information. If notes exist on an account then a credit company cannot automate a credit check, and it will need to be flagged for an underwriter to have a look. This can help you open a bad credit card that might have a lower rate.

Bad credit cards are of great benefit to those people who have poor credit, perhaps through circumstances in the past that were beyond their control. The convenience of being able to pay using a credit card, particularly over the phone or online, is undisputed, and not having access to a card can present real problems. However, it is important to be very aware of not only the increased charges associated with bad credit cards but also the consequences of not maintaining such a card in good order.

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Maxed Out takes viewers on a journey deep inside the American style of debt, where things seem fine as long as the minimum monthly payment arrives on time. With coverage that spans from small American towns all the way to the White House, the film shows how the modern financial industry really works, explains the true definition of “preferred customer” and tells us why the poor are getting poorer while the rich keep getting richer. Hilarious, shocking and incisive, Maxed Out paints a picture …

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if you have bad credit and need to start revolinv credit in order to get a car loan what cards can I get?
I never had credit cards my bad credit came from my daughter being in the ICU for a month and my ER visit frolm like 5 yrs ago. I need a car and they said I need revolving credit what cards can I get? Please any help

bad credit cards

The Philadelphia Phillies(R) team logo can now be featured on the Major League Baseball(TM) Extra Bases(TM) Credit Card issued by Bank of America.    (www.philliescreditcard.comwww.philliescreditcard.com).   This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country.  Like many department stores, colleges and airlines have done for decades, Major League Baseball(TM) teams are now being displayed on consumer credit cards.  These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty –  are proving to be a home run in the credit card industry.

Features offered by the Major League Baseball(TM) Extra Bases(TM) Credit Card from Bank of America include:

*           No annual fee.

*           0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

*           Earn 1 point for every net retail dollar spent redeemable for MLB(TM) autographed memorabilia, once-in-a-lifetime MLB(TM) experiences, cash rewards and travel with no blackout dates.

*           Get an official MLB(TM) licensed jersey after your first qualifying transaction(s) using your MLB(TM) Extra Bases(TM) credit card.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball.  Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times.   With the MLB(TM) Extra Bases(TM) credit card, Phillies fans can be reminded of their favorite team every time they take out their wallets.  Real fans carry the card with pride.  Visit www.philliescreditcard.comwww.philliescreditcard.com to complete the credit card application online in a few short minutes.

www.articlesbase….-626545http://www.articlesbase.com/baseball-articles/philadelphia-phillies-credit-card-major-league-baseball-extra-bases-mastercard-626545.html

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Hotel Pennsylvania in New York City. — Mythbusters Host Retracts RFID Censorship – Mythbusters host Adam Savage is retracting comments he made at a hackers conference where he said an episode exposing security flaws in credit card RFID technology was squelched by credit card company lawyers. In a new statement Adam says, ” If I went into the detail of exactly why this story didn’t get filmed, it’s so bizarre and convoluted that no one would believe me, but suffice to say…the decision not …

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How do I switch credit cards and not affect my credit score?
I want to get a frequent flyer credit card but I already have 3 credit cards with generous limits. I don't need these credit cards and I would like to cancel them and have this "possible credit" to go towards the new card. I heard once that canceling a credit card has a negitive effect on your credit score. Is this true? If so, how do I switch credit cards and avoid affecting my credit score in a bad way?

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Having bad credit does not mean one can never apply for good credit cards. Because of so many people having problem with their credit, credit card companies saw the potential in providing service for this people. Thus, credit card companies came up with bad credit credit cards. As the name suggest, these credit cards are especially created to cater people with less than perfect credit history.

Bad credit credit cards or secured credit cards do come with higher interest rates and fees to make up for the risk from customers who have a poor credit history. When compared with standard credit cards, these cards also impose lower credit limit for its card holders since they were not able to present impressive credit.

However, this doesn’t mean that credit cards are inferior since these cards can be a tool for people with bad credit to regain their credit reputation. Just how is this possible? By submitting regular payments on your account, secured credit cards report to the major credit bureaus to ensure that your credit report is updated.

Understandably, not all bad credit cards are offered in the market are great and it is up to you to do your choosing carefully. One of the first things you should look for with a credit card is whether it reports to the major credit bureaus. There are some secured credit card providers that do not have this important provision. This is crucial in helping you rebuild your bad credit history.

Of course, just because you don’t have an excellent credit doesn’t mean you have to settle for unreasonably high rates that credit cards impose on their clients. It is possible to find secured credit cards with interest and fees that do not take advantage of your poor credit.

Another important factor to check about secured credit cards is the minimum amount of deposit required to get an approval. This security deposit is held in your account in case you default on your debts, thus giving the bank a guarantee that they can use this money to pay for the debts your defaulted. Take note also that some banks place this security deposit in an account that bears interest. Make sure that you’ll be able to claim this security deposit along with its interest after building your credit.

The use of your security deposit may also differ depending on your bank. Some creditors will take your deposit if you miss a single payment in your account while some banks allow at least 5 to 6 months before deciding that the card holder has completely defaulted his debts.

Most importantly, choose a secured credit card that allows you to convert your account to an unsecured one after a certain period if you can prove that you are submitting all your payments dutifully and timely. This way, you can enjoy the privileges that unsecured credit card holders enjoy such as lower APR, higher credit limit, and less restrictions.

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Think you’ve got it bad with the fees your credit card charges you? Well try this: $247 up-front, for a $300 credit line… And that’s not the worst of it!

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bad credit cards

The official team logo from your favorite NFL football team can now be proudly displayed on the NFL Extra Points(TM) Platinum Plus(R) Visa(R) Credit Card from Bank of America.  (www.49erscreditcard.comwww.collegecreditbuilder.com/nflcards.htm ).   This rewards credit card has proven to be a touchdown with fans across the country and has made huge strides in the rewards credit card industry.  Like many retailers, colleges and airlines have done for decades, NFL football teams, in association with Bank of America, now offer credit card consumers valuable rewards above and beyond the cool factor of having their favorite team printed on their credit cards.  These football-oriented credit cards are scoring big with sports fans in every state.

The NFL Extra Points(TM) Platinum Plus(R) Visa(R)(TM) Credit Card from Bank of America has important features, which include:

*           No Annual Fee.

*           0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

*           A $50 NFLshop.com gift card after your first qualifying transaction(s) using your NFL Extra Points(TM) Visa(R) Credit Card.

*           100% fraud protection

*           Earn 1 Point for every dollar you spend in net retail purchases. Points are redeemable for NFL merchandise, tickets, and VIP passes to NFL experiences.

*           Online account access and Points management.

At a time when consumers are nervous about the uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – sports fans love NFL football.  Historically, football has given its fans something to believe in and something to hope for, particularly during difficult economic times.   With the NFL Extra Points(TM) Platinum Plus(R) Visa(R)(TM) credit card, football fans can be reminded of their favorite team every time they open their wallets.  Real fans carry the card with pride.  Visit www.49erscreditcard.comwww.collegecreditbuilder.com/nflcards.htm  to complete the credit card application online in just a few short minutes.

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To apply for an unsecured credit card with bad credit, make a cash deposit with a credit company, receive a card backed by the cash, and build up better credit by making regular payments on the credit card. Increase your lines of credit over time withhelp from a registered financial consultant in this free video on personal finance and money management. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding …

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Tell me why do people keep applying for credit facilities or credit cards?
They owe huge amount in credit cards, yet continue to apply for more cards.
In your opinion why they do that?
Is it because cerdit cards come easy, over commitment or insufficient disposable cash so they need to find cash?

applying credit cards

One of the most common problem in the area of business and finance is about credit card debt. If you are not able to manage your debt ideally, you may be plunged into one painful reality– bad credit rating. Having a bad credit rating will mean a lot for you because this is one major contributory factor when you establish your own business or making a loan. That is why those people who are already there, are striving to have a credit card repair program– they have to improve their credit scores.

Credit scores helps in developing a good credit history, so if you always leave your bills unpaid, and do not take your credit transactions ideally, your credit score will eventually go down.

If you have credit, you must be responsible enough to repay what you owe, else this will reflect in your credit report and could be a bad credit rating. Suppose now you have a bad credit rating; it is time that you start improving or cleaning it up little by little– you have to design your credit card repair program. How can you do that? Take time to consider the following tips:

1. Review your credit report on a yearly basis. There are three credit-reporting agencies, so you must get a copy of your credit report from every agency. Check for any mistakes, and if you do find some, you must have it modified.

2. Start to pay all your dues on time, and if you can afford it, always pay the bill not in partial. Do not leave balances because this will greatly help in improving your credit score.

3. If you have a credit card, you may want to begin paying your remaining balance until you have reached about 25 percent of the credit limit.

4. Credit insuring is essential if you want to buy a car. Having a car nowadays is of great importance especially if you need to travel every now and then. Car dealers can help in managing your finances. We call it as a repossession insurance.

5. Start applying for account overdraft if you got a checking account. This means that you can issue a check more than what you have in your checking account without getting additional charges. The excess amount will just be reflected in your monthly bill.

These are just few of many things you can do as part of your credit card repair program. If you follow the tips discussed, you are on your way to improving your credit report. Your credit score is your only way to getting finance on credit, so make it sure that once you have improved it, stay on the right track and avoid acquiring bad debt again.

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www.gomsg.com http Auto repair credit card processing and merchant accounts with check verification services for your auto repair business by Merchant Services Group.

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Credit Repair – Credit Cards – Does the type of card make a difference?
I found a huge credit card directory… Does the credit card you apply for make a difference on your credit report?

If I apply for a poor credit credit card – http://www.affiliatetier.com/credit_repair/credit_cards.php – Would this effect my credit report?

If I apply for a really great credit card like American Express Blue: http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 – Would this look good on my credit report if I am approved? And would this look really bad on my report if I am denied compared to a poor credit credit card?

I have been reviewing all the credit cards: http://www.affiliatetier.com/credit_repair/credit_cards.php & found http://www.affiliatetier.com/credit_repair/credit_cards.php?review=23 to have an overall rating and benefit rating as the highest so far… I am scared to apply if I get turned down and it shows on my credit report as being turned down by a GOOD credit card…

credit card repair

The New York Yankees(R) team logo can now be featured on the Major League Baseball(TM) Extra Bases(TM) Credit Card issued by Bank of America.    (www.yankeescreditcardoffer.comwww.yankeescreditcardoffer.com ).   This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country.  Like many department stores, colleges and airlines have done for decades, Major League Baseball(TM) teams are now being displayed on consumer credit cards.  These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty –  are proving to be a home run in the credit card industry.

Features offered by the Major League Baseball(TM) Extra Bases(TM) Credit Card from Bank of America include:

*           No annual fee.

*           0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

*           Earn 1 point for every net retail dollar spent redeemable for MLB(TM) autographed memorabilia, once-in-a-lifetime MLB(TM) experiences, cash rewards and travel with no blackout dates.

*           Get an official MLB(TM) licensed jersey after your first qualifying transaction(s) using your MLB(TM) Extra Bases(TM) credit card.

During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – sports fans are crazy about Major League Baseball.  Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times.   With the MLB(TM) Extra Bases(TM) credit card, Yankees fans can be reminded of their favorite team every time they take out their wallets.  Real fans carry the card with pride.  Visit www.yankeescreditcardoffer.comwww.yankeescreditcardoffer.com to complete the credit card application online in a few short minutes.

www.articlesbase….-626542http://www.articlesbase.com/baseball-articles/new-york-yankees-credit-card-major-league-baseball-extra-bases-mastercard-626542.html

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Hidden penalties, sudden interest rate hikes, and deceptive language are just a few of the questionable tactics used by credit card companies to extract money from increasingly stressed consumers. Now, some on Capitol Hill are trying to regulate the more abusive practices. With bills actually moving through both houses of Congress, the credit card lobby is finding itself on the defensive, and turning out in force to oppose the legislation.

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How many credit cards is too much to affect your credit score?
I am going to ask another question regarding which CC should I add to my credit card profile to add to my rewards. I have excellent credit, pay my balance in full each month, and I use my CC to pay for everything I can to rack up points/miles etc.

I am at a point where I want to increase my points and miles so there are some options. The question is, what is too much. I basically share a VISA with my wife, and have an older VISA that i keep. I realize that you should keep older credit cards for history. I want to add at least one AM/EX either the Starwood points, or the Delta Miles. I also might switch our Cap1 card to the signature to get 2 points for every $1 spent, instead of 1.25 for $1. That is a new card, not a switch. And recently, I have received letters for UNITED miles (20,000 bonus) and AA Miles (21,000 Bonus). I would love to use those just to add to my miles on those flights. Could I add 3-4 cards without hurting my excellent credit? I will not rack up debt.

credit cards

The Minnesota Vikings official team logo is now being proudly displayed on the NFL Extra Points(TM) Platinum Plus(R) Visa(R) Credit Card from Bank of America.  (www.vikingscreditcard.comwww.vikingscreditcard.com).   This rewards credit card has proven to be a touchdown with fans across the country and has made huge strides in the rewards credit card industry.  Like many retailers, universities and airlines have done for decades, NFL football teams, in association with Bank of America, now offer credit card consumers valuable rewards above and beyond the cool factor of having their favorite team printed on their credit cards.  These football-oriented credit cards are scoring big with sports fans in every state.

The NFL Extra Points(TM) Platinum Plus(R) Visa(R)(TM) Credit Card from Bank of America has important features, which include:

*           No Annual Fee.

*           0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.

*           A $50 NFLshop.com gift card after your first qualifying transaction(s) using your NFL Extra Points(TM) Visa(R) Credit Card.

*           100% fraud protection

*           Earn 1 Point for every dollar you spend in net retail purchases. Points are redeemable for NFL merchandise, tickets, and VIP passes to NFL experiences.

*           Online account access and Points management.

At a time when consumers are nervous about the uncertainty in the stock market, illiquidity in the credit market and the softening real estate market, one thing remains constant – sports fans love NFL football.  Historically, football has given its fans something to believe in and something to hope for, particularly during difficult economic times.   With the NFL Extra Points(TM) Platinum Plus(R) Visa(R)(TM) credit card, Vikings fans can be reminded of their favorite team every time they open their wallets.  Real fans carry the card with pride.  Visit www.vikingscreditcard.comwww.vikingscreditcard.com to complete the credit card application online in just a few short minutes.

www.articlesbase….-618469http://www.articlesbase.com/football-articles/minnesota-vikings-credit-card-nfl-extra-points-platinum-plus-visa-618469.html

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www.daves-picks.com/gascards – It’s easy to save money on gas with the best gas credit cards we have found for you. This video shows you how you can apply for gas credit cards online, be approved instantly and get your gas card today.

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Can a person with no Credit History still be affected by applying for multiple cards?
Hello. I have no credit history. Will applying for multiple credit cards still have an impact? Also, how is credit history built? When does it first "start"?

applying credit cards

These days, credit cards have become a necessity as it provides people with spending power even if they do not really have all the money they need. Sadly a lot of people do spend to much that they turn out indebted, unable to pay for their bills and eventually unable to get credit cards anymore. People can indeed recover and repay all their debts but once that is done, getting credit cards to start their debt-free life would become a near-impossible feat. Thankfully, such people still have hope in the form of bad-credit cards.

Bad-credit cards are charge cards that people with bad credit histories can apply so that they can get the same benefits as regular card holders – be able too rent cars, book hotels, shop online – and most of all, rebuild their credit ratings so that they can get normal credit cards. The downside with bad-credit cards however, is that their interests rates could be higher, they might have higher joining and annual fees, or they might require collateral. But such are prices that people with bad credit are willing to pay because they do recognize the importance of credit cards in today’s society.

There are many different kinds of bad-credit cards but they can mainly be categorized as prepaid cards, secured cards and unsecured cards.

Prepaid Bad-Credit Cards – these cards are actually just debit cards specifically catered to people with bad credit. To get one, you only need to open a bank account and deposit at least the minimum required money. This amount would serve as your “credit limit”. Each time you purchase with your card, money is deducted from your account and if your money runs out, you will not be able to use the card unless you deposit funds again.

However, this is not at all a credit card because you are not really borrowing money, and thus it will not really improve your credit rating. Nevertheless it provides people with the conveniences of credit cards even if they are not able to apply for a real one due to their bad credit.

Secured Bad-Credit Cards – these are as good as credit cards, however to apply for one, you would need to open a savings account, the money deposited in which would be secured as a collateral by the issuing bank. The credit limit is determined by the amount deposited, or sometimes a little more than that to allow the cardholder some allowance. If the cardholder fails to pay, the bank may take hold of the money in the savings account.

Like other bad-credit cards, the interest rates and other fees are bound to be higher than regular credit cards. Also, some banks may not report such accounts to credit bureaus so it is important to make sure that the bank does submit such reports if the purpose is to improve the cardholder’s credit rating.

Unsecured Bad-Credit Cards – these work like regular credit cards however the fees and interest rates are considerably higher than normal cards. A cardholder may start with a low credit limit, around $250, which will increase little by little if the account is kept well. Such cards usually require large upfront fees, and interest rates can be as high as 25% while annual fees may go as high as $100. But it is usually considered worth it to pay such a price because they can really improve one’s credit ratings. Again, it is important to make sure that the issuing bank does report to credit bureaus to ensure that the credit rating does improve.

People with bad credit rating may still have a chance to get their credit cards. Thanks to bad-credit cards, people still can stand a chance.

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Are you short on rent this month? If you are worried about an eviction, don’t wait until it happens. The disruption that an eviction can have on your life is not worth the headache, stress or interruption to your life. If you can borrow money from your family or friends, do so. If this is…

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bad credit cards

“Guaranteed bad credit cards” is used to refer to credit cards that can be obtained even with a bad credit rating. The guaranteed bad credit cards provide opportunity to people (with bad credit rating) to improve their credit rating. In that sense, guaranteed bad credit cards act as rescuer for such people. So, bad credit credit cards also act as necessary a training ground for people who have not been able to control their spending urge in the past.

Guaranteed bad credit cards is commonly known as secured credit cards. The guaranteed bad credit cards (or secured credit cards) requires the individual to open up an account with the credit card supplier and maintain some cash balance in the account. Why is that required? Well, credit cards are a business for the credit card suppliers; so how can they trust someone who has defaulted on his/her payments in the past? After all, a business is about profits and such risks are a threat to profits. The bank or the credit card supplier will generally pay interest on the balance in your account. However, it’s best to check this with the bad credit card card supplier/bank. The credit limit on the guaranteed bad credit cards is determined by the cash balance in the account and is generally between 50-100% of the cash balance. These bad credit card cards are also referred to as debit cards, owing to the fact that they work less in a credit-giving manner and more in a debit-giving manner.

There are plenty of guaranteed bad credit cards available in the market. When searching for the guaranteed bad credit cards that is best suited to you, you should consider 4 things in particular: the minimum balance that you are required to maintain in the bank account, the credit limit that you will receive (i.e. the percentage of your bank account balance that you are allowed to spend on your bad credit card card), the fees/other-charges applicable to the procurement of bad credit rating credit card and the rate of interest that you will receive on the balance in your bank account. An ideal bad credit rating credit card would have no fee/other-charges associated with it and would require zero or a very small amount as minimum bank balance. It would also have something like 90-100% of bank balance as its credit limit. Moreover, an ideal guaranteed bad credit cards would also offer a good interest rate on the bank balance.

Guaranteed bad credit cards is a really a good concept that provides respite to people with bad credit rating by letting them enjoy the benefits of credit cards while they mend their credit rating.

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bad credit cards

The best credit cards for people with bad credit can be compared at www.securedcreditcardlist.comwww.securedcreditcardlist.com.  Responsible credit card use can lead to a lifetime of low-interest rate loan opportunities.  Notwithstanding a limited credit history, a damaged credit record or minimal income, credit card issuers often give consumers the valuable opportunity to receive credit and to start re-building a credit history through the use of a secured credit card or a pre-paid credit card.  This is an opportunity that should not be taken lightly, particularly in light of the widening credit crisis which has made it difficult for many working Americans with good credit records to receive new credit cards, auto loans and mortgages.  

Secured credit cards issued by Bank of America, Capital One and New Millenium are specifically designed for applicants with imperfect credit histories.  Some of the features offered by these credit card issuers include:

*           Credit Lines available from $300 to $10,000

*           Set your own credit limit

*           Build or reestablish your credit

*           Buy what you’ve been dreaming of and pay no interest until May 2009 on purchases

*           Save with a low non-intro variable APR, currently 14.9%

*           Exclusive savings on featured deals

*           Know you are protected with $0 fraud liability if your card is ever lost or stolen

During continuing economic instability, instability in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – consumers with damaged credit records should be given an opportunity to re-build their credit.  Responsibility, however, is essential.  If you can’t afford to buy something, you should consider saving until you can.  Credit cards are most beneficial when you can afford to pay your balance in full every month.  In these tough economic times, where credit is getting more difficult to come by, it is important to establish a strong credit profile by establishing credit early and maintaining a consistent payment history.  Credit cards issued by Bank of America, Capital One and New Millenium are tailored for applicants with less than perfect credit. 

Visit www.securedcreditcardlist.comwww.securedcreditcardlist.com to apply online in a few short minutes.

www.articlesbase….-661368http://www.articlesbase.com/credit-articles/apply-online-secured-credit-cards-for-consumers-with-imperfect-credit-661368.html

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Hidden penalties, sudden interest rate hikes, and deceptive language are just a few of the questionable tactics used by credit card companies to extract money from increasingly stressed consumers. Now, some on Capitol Hill are trying to regulate the more abusive practices. With bills actually moving through both houses of Congress, the credit card lobby is finding itself on the defensive, and turning out in force to oppose the legislation.

Help answer the question

what is the best credit card to get to repair my credit?
My credit is looking really bad, and im ignorant when it comes to credit, and credit card lingo. i was wondering if there was a card to get that is better than others, with my bad credit. and if there any other good ways to help to repair my credit?

credit card repair