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How to get a credit card with a damaged credit score?

I have a fairly low credit score due to a couple of charge-offs and a couple accounts in collections that I am not even aware of, but they are possible medical bills. I can’t do a secured card right now. I really just want a card to make small purchases and raise my score. My questions are as follows; What cards should I apply for? How could I raise my score without a card? And what is a good APR for my situation?

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9 Responses to “How to get a credit card with a damaged credit score?”

  1. bdancer222 said :

    You may not even be able to get a secured credit card with charge offs and collection accounts.

    If you have any open lines of credit, pay them on time. You need at least 24 months of consistent, on time payment history to improve your score. If you don’t have open lines of credit and can’t afford to do a secured credit card, your only option would be to wait out the 7 year reporting period.

  2. AEDokuyucu said :

    Get from a foreign country.

  3. Sustagurl2 said :

    You’re gonna have to get a secured credit card.

  4. Polar Bear said :

    WTF??? Who says you even need credit cards? This country is drowning in credit card debt….. and don’t let ANYONE tell you that you cannot live good without one. I’m well over 40 and never had or want a credit card. My crdit score is ZERO. I still have everything I need, want and desire. Listen to Dave Ramsey and get the truth about credit. The card issuers and banks all want you over a barrel so they can stick it to ya. They make a damn good living off of people that cannot live within their means….. don’t fall for it!

  5. StephenWeinstein said :

    Question: What cards should I apply for?
    Answer: None. You will not be approved for any cards (other than secured cards, which you have already stated you cannot do) and applying will make your score even worse

    Question: How could I raise my score without a card?
    Answer: Pay off the accounts that are in collections

    Question: And what is a good APR for my situation?
    Answer: Being able to get any APR would be good. I think you qualify for none.

  6. Judy said :

    You are not going to ever raise your score by carrying balances on a credit card.
    Carrying balances is a good way to RUIN your credit score.

    If you get a credit card – pay it in full each month.
    It is 100% myth that carrying balances and paying interest is good for you.

  7. Clay said :

    Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments –

  8. Jennifer said :


    You can get your credit card from here:

  9. Phillip Sproule said :

    What i dont understood is in reality how you are no longer actually much more well-preferred than you might be right now


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