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SpinDistribute.com Article Directory

The following article was published in our article directory on November 28, 2011.
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Best Credit Cards to Repair One's Credit

Article Category: Finances

Author Name: chickie maxwell

It's pretty ironic that people who have a bad credit score will find it difficult to get the best credit cards and less value for every hard earned purchasing buck. A blemished credit history will truly cost consumers a lot when all is said and done. But there are things that can be done to repair one's credit and it involves the use of other types of credit cards to turn one's credit history around.

Options for Best Credit Cards

Improving one's credit score necessitates new habits and better credit handling. Old credit lapses should be overcome and consumers should be able to demonstrate more responsibility and better care. It can be a difficult and at times a long path to take but it can be done. With the help of credit cards that are suited for bad credit situations, consumers can rebuild their reputation and acquire a better credit score.

Repairing one's credit is made more difficult due to the absence of liberal payment terms and low to zero interest rates. Everything could have been a lot easier for consumers with bad credit if these credit terms were in place. Consumers who have lower FICO scores, such as 600 and below, will have to deal with certain penalties.

An example of such a penalty is the fact that these consumers will have to deal with higher interest rates and other fees. They will end up having to pay the bank in order to cover for the risk it takes in lending such money. However, going through this ordeal is necessary to get better credit scores and rehabilitate credit.

Bad Credit Charge Cards: To help with the situation, bad credit charge cards were created. This is one of the best credit cards that can be used to revive one's credit reputation. Credit cards of this type are not necessarily the same as the ones being used with preferred credit. One of the first things that consumers who use them will notice is the fact that the APR often goes above 20%, which is a higher interest rate compared to other credit cards.

Another thing about bad credit charge cards is the fact that they have a pretty hefty annual fee. The list of charges to use this type of credit card doesn't end there-customers also have to pay for an application fee in order to obtain one and another fee in order to keep the card. Add the fact that these cards don't have any rewards programs or anything of that sort, these things serve as a reminder to consumers that this credit card is designed only for rebuilding and nothing more.

Retail Store Credit Cards vs. Secured Credit Cards

Some people choose between using credit cards issued at retail stores or secured credit cards, which is also another type of bad credit charge card. These are two of the best credit cards out there for people who need to repair their credit scores.

Retail store credit cards are suited for consumers who have better control over their spending habits. One who is still a bit of a loose cannon when it comes to credit usage then this isn't a good type of credit card to choose. Consumers can pile up their charges in an instant given the flexible terms these cards entail.

Secured credit cards are a better option for such people since terms are stricter and it comes with a credit line that has the same amount as the deposited money in the bank, which isn't that big at all. These are some of the best credit cards that people with bad credit can use.

Keywords: best credit cards

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