Rainy Day Credit, find credit card offers even with bad credit.Use our Credit Card Search |
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Do you have super credit, bad credit, or ok credit?
Finding credit card offers can be easier if you know your credit type. What type of credit do you have? Don't know what your credit type is? You could order a credit report or decide which of the 3 questions best fits your paying habits and credit card habits:
Have good credit? Do you always pay bills on time and in full, limit use of credit cards, gas cards, or store cards?
Have bad credit? Do you always pay bills late, have too many credit cards, store cards, gas cards with maxed out limits? Have to many over due loans?
Have ok credit? Do you pay bills on time 90% of the time, carry very few credit cards, store cards, or gas cards with a balance and pay off the balance each month?
Credit type and how to find credit card offers:
Once you know your credit type, this will save time. Why waste time applying for credit cards that you can't get approved for and risk credit inquiries on your credit report that could lower your credit scores? Using the guideline above, apply for credit cards that you can get approved for to rebuild credit or that has great interest rates and perks.
Did you know that it may cost you money to get a credit card for less than perfect credit? However, getting bad credit didn't happen over night and rebuilding credit can take months. Using a credit card to rebuild credit can be helpful in the long run. Some credit card companies report good paying habits which helps you rebuild credit.
With less than perfect credit or bad credit, the choices for credit cards may only be shopping cards, secured credit cards, or unsecured credit cards with higher interest rates. There are many choices no matter what your credit type. Be sure to read the terms and agreements for credit card offers so you know fees and interest rate terms.
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Credit Counseling
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