I have never had a credit card because I wanted to avoid poor spending habits and bad credit. However, I have bad credit now due to being in debt for other reasons.
My question is does bad or poor credit not due to credit card usage have a major effect on one's ability to apply for a credit card? What is the best credit card for people with bad credit who want to build credit?
Answers | 4
You can do a search to find credit card issuers who can help.
The interest rate is high but!
Are you looking to establish credit?
Or? Slowly improve your credit history?
If you make your payments in full! On time!
Depending on the card issuer?
They can let the major credit reporting agencies know how you are doing.