In this category Consumers Info USA,  BadCreditAssistance can assist people with negative credit in obtaining a credit card.
We also want to use a little caution at the same time.

 Because as we all know it is almost a necessity today to have at least one credit card for simple things in life like renting a car, or reserving a hotel room etc. BUT at the same time we all also know that credit cards are the undisputed number one reason why people get in trouble with their credit to begin with.

 So… we just want to suggest, that if you are at all interested in a debt consolidation, or credit repair program, in the immediate future… you should consider waiting until you start that process. Once you start that program… ask the counselor who is working with you for their recommendations as far as you obtaining a credit card.

 With that being said… if you are sure that what you want to do is get a credit card…    you can get one… GUARANTEED!

 
A secured credit card program which means that you open an account, and amount of your deposit, is the amount of your credit card limit. Some even offer double the balance credit, which means if you deposit $100, you would have a $200 credit card limit.
 
If you choose a secured programs you are
 guaranteed approval for the card of your choice!

This is an excellent way of obtaining a credit card,
AND beginning to re-establish your credit at the same time!

Since credit cards are so easy to get we want to talk
 a little bit about how to stay out of trouble with them.


Here are a few basic tips for credit cards: 

• Keep a list of your credit card numbers, expiration dates
  and the phone number of each card issuer in a secure place.
   

• Open credit card bills promptly and compare them with your receipts to check for unauthorized charges and billing errors.
  
   

• Report promptly and in writing to the card issuer any questionable charges. Written inquiries should not be included with your payment. Check the billing statement for the correct address to send any written inquiries. The inquiry must be in writing to guarantee your rights.
  
   

• If any of your credit cards are missing or stolen, report the loss as soon as possible to your card issuers. Some companies have 24-hour service and toll free numbers are printed on their statements for this purpose. For your own protection, follow up your phone call with a letter to each issuer. The letter should contain your card number, the date the card was missing, and the date you called in the loss.
  
   

• If you report the loss before a credit card is used, the issuer cannot hold you responsible for any subsequent unauthorized charges.  If a thief uses your card before you report it missing,
   the most you will owe for those charges on each card is $50.

When using your credit card:

• Watch your card after giving it to a clerk. Take your card back promptly after the clerk is finished to make sure that it's yours.
  
   

• Tear up the carbons when you take your credit card receipt.
  Void or destroy any incorrect receipts.
  
   

• Never sign a blank receipt. Draw a line through any blank spaces above the total when you sign receipts.
  
   

• Never give out your credit card number over the phone
  unless you were the one who initiated the call.
  
   

• Never put your card number on a post card or
  on the outside of an envelope.
  
   

• Leave infrequently used cards in a secure place.
  
   

• Consider closing any inactive accounts with the issuer.

If you decide to get a new card:

• Credit card issuers offer a wide variety of terms (annual percentage rate, methods of calculating the balance subject to the finance charge, minimum monthly payments, and actual membership fees). When selecting a card, compare the terms offered by several card issuers to find the card that best suits your needs.
   

• Consider transferring balances on higher interest rate cards
   and accounts to a card with a lower rate.
  
   

• Sign new cards as soon as they arrive.
  Cut up all unwanted cards.
   

Consumers Info USA wants to remind you... you are never obligated to accept anything just from completing an application.

Before you accept a credit card make sure you understand the terms, the rates, and exactly what your total monthly payments are.
Then you decide if you can comfortably afford to make the payment!

Whether you have fair credit, bad credit, no credit, or are rebuilding your credit after a bankruptcy... the company below have been rated the best in this credit card category by consumer surveys,
 and past customer feedback.

 

Simply click on the link below. You can quickly submit a
 Free, No Obligation, Online Application!

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