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"Bad Credit" Credit Cards: How You Can Avoid High Fees
Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The first thing I tell them is to get a credit card designed for people with bad credit. The second thing I tell them is written in bold: READ THE FINE PRINT.
There are only a limited number of credit cards for individuals with bad credit. At first glance, many look the same. They all help build and rebuild your credit by reporting to the major credit bureaus on a monthly basis. They all provide you with the Visa or Mastercard you need to make many purchases. And they are all necessary evils that can save you thousands of dollars in mortgage and car loan rates in the future. However, you must read the fine print before applying for one of these credit cards, as they often charge high yearly fees, set-up fees, and even monthly fees. Here, I will examine a few examples of charges current bad credit credit cards bury in the fine print. Of the three major cards I will examine, only one stands out as consumer-friendly.
Bad Credit Credit Card #1: This credit card charges a very low interest rate for an unsecured credit card. However, your first fine print glimpse reveals that there is a one time setup fee of $29. Not too bad. So far, since the next charge is a one time fee of $95. So far, were up to $124 in expenses. That's got to be it, right? No. Add in another $48 for the annual fee and $6 per month in account maintenance fees. Thats brings the cost of your new credit card to $244 the first year, and $120 each additional year. This is no small change, and a card such as this should be considered only if you cannot be accepted for a better unsecured credit card for bad credit.
Bad Credit Credit Card #2: This credit card charges a very high interest rate for an unsecured credit card. This cant be good. But the setup fee is only $29. Maybe this card
isn't so bad. There is that pesky monthly maintenance fee of $6.50 per month which brings the cost of this unsecured credit card to $107. Maybe we've found a bargain. Not quite. The annual fee is a whopping $150. Yes, $150 every year. That not only brings the initial cost up to $257, but you will also pay $228 a year just to maintain the credit card. There has to be a better offer.
Bad Credit Credit Card #3: This credit card is available as both a secured and unsecured credit card, based on the issuers review of your credit history. The interest rate is average, even competitive. Now, the fine print reveals that there is a one time setup fee. However, based on your credit, this fee can be as low as $0 or as high as $49. So far so good, especially if your credit is not that bad. But, there must be a huge annual fee. Not exactly. The annual fee for a secured credit card is only $35, and for an unsecured credit card, this fee can be as low as $39 or up to $79. So far, the cost of this card ranges from $35 to $128. Now its time for the monthly
maintenance fee. This one has to be huge. Or not. Its $0. That means the most you could possible be charged to obtain this credit card is $128, about half of what competing cards are charging.
Clearly, there are substantial difference between bad credit credit cards. Of the three offers we have examined, only one doesn't take you to the cleaners. In fact, bad credit credit card #3 provides great value. All positive changes to your credit history and credit score will translate into lower loan rates, lower credit card interest rates, lower insurance rates, and ultimately, thousands of dollars in savings. The path to rebuilding credit has its costs, but in the long term, rebuilding your credit with a bad credit credit card is the fastest and most cost-efficient way to correct the often unfortunate circumstances that have damaged your credit in the first place.
About The Author
Jeff Weber is President & CEO of Credit Card Depot Inc., an online information provider that specializes in the credit card industry. For information on "bad credit" credit cards, visit http://www.credit-card-depot.com/bad-credit-applications.htm.
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Target Corp., facing slower sales and rising delinquencies in its credit card business, said Thursday it's further tightening finance terms for its card holders - even those with good standing. The discounter also may become even more stringent if credit conditions keep deteriorating. Executives told analysts at the company's annual investor meeting, held in Minneapolis, that it was ...
- Target tightens credit terms more for card holders (San Francisco Chronicle)
Target Corp., facing slower sales and rising delinquencies in its credit card business, said Thursday it's further tightening finance terms for its card holders _ even those with good standing. The discounter also may become even more stringent if credit...
- Target tightens credit terms more for card holders (Minneapolis-St. Paul Star Tribune)
Poor Quality merchandise you snookered people into purchasing from you. All the stuff they didn't really need or want. That should get ? read more cover about 10% of what you seek, the rest of the credit extended probably went to purchase food and other consumable household items, most of which has probably been flushed or thrown out by now.....Go Big Red!!! Nice business plan.
- Target tightens credit terms for card holders (AP via Yahoo! News)
Target Corp., facing slower sales and rising delinquencies in its credit card business, said Thursday it is further tightening terms for its card holders ? even those with good standing ? and is being more aggressive in collection activity.
- Union Bank Offers Small Business Rebate Program to MasterCard Debit and Credit Card Holders (Business Wire via Yahoo! Finance)
SAN FRANCISCO----Union Bank of California is now offering the MasterCard® Easy Savings? program to provide its small business customers with easy ways to save as they continue to use credit and debit cards to pay for business expenses.
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Industrial Info Resources will host special guest Texas Credit Card.info as part of this week's "Industry Today" webcast. Texas Credit Card.info is a leading provider of over 150 credit cards for business owners, industrial personnel and students, from the largest banks and providers in the world, including Advanta, American Express, Chase, First Premier and HSBC.
- City and former Mayor Stewart agree on credit-card payment (Plattsburgh Press Republican)
PLATTSBURGH -- The City of Plattsburgh and Daniel Stewart have come to an agreement as to how much the former mayor should pay for credit-card usage.
- Target tightens credit terms more for card holders (AP via Yahoo! News)
Target Corp., facing slower sales and rising delinquencies in its credit card business, said Thursday it's further tightening finance terms for its card holders ? even those with good standing.
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