Comments on: How can I get a credit card with rewards when I have bad credit?

By: Gary H

Gary H — Thu, 02 Jul 2009 12:29:31 +0000

There are more that a few lenders who specialize in credit cards for people with bad credit. You just have to look a little harder than most people have to.

And getting a card after you’ve had a few problems doesn’t necessarily mean that you have a higher than normal rate. Like, I said, you’ll just have to compare between credit lines, yearly fees, and interest percentages. Just make sure you do your homework BEFORE you commit, and you’ll be fine.

You can find some offers for credit cards, both secured and unsecured here:

By: biskio

biskio — Mon, 29 Jun 2009 20:18:47 +0000

Reward credit cards reward you depending on the amount you spend on the credit card. Usually, you can collect rewards through 3 methods. One method involves earning cash back on the card, which is generally a certain percentage of each amount you spend. The next method involves giving points or any other type of token to the customers to accrue. They can then redeem these points for gifts like luggage, cosmetics and other goodies that the credit card company offers. Most of these reward schemes have alluring gifts and huge variety of selections. But the better option is to go for a cash back reward as it allows you to use the money any way you like.

By: alexa dion

alexa dion — Sun, 28 Jun 2009 12:47:55 +0000

Getting the right reward card that ‘really’ helps your cause is the first thing that should be kept in mind while going for a reward card. There is no point in taking a credit card with gas reward if you don’t drive much. Similarly, if you rarely fly, an airline miles reward card will be worthless for you.

What are the limitations to reward program? Get clear about it. Ask the credit card agent or representative about store preferences, gas outlets to which the credit card is affiliated, airlines, blackout dates, travel restrictions, reward expiry, reward point accumulation and what is required to earn rewards. A reward credit card with lots of restrictions and difficult to redeem gift vouchers or reward points will only frustrate things on your end.

A reward program with balance transfer option with 0% intro APR is a good thing to have. It saves you money on high interest rates, and if used properly 0% intro APR credit card can be a good asset. Check out a list of popular reward cards at:

By: Brie2200

Brie2200 — Sat, 27 Jun 2009 21:21:21 +0000

Honestly, if you both have “terrible credit” neither of you would be able to qualify for any type of rewards card. The visa cards that are tied your checking account are called Debit cards, and they do not affect your credit score. You would need to first improve your credit score before you decide to apply for anything. Make sure that you pay all of your bills on time and at least the minimum due on any credit cards that you do have. Do this for at least 6 months to a year before you decide to apply for anything.

By: shamieya

shamieya — Thu, 25 Jun 2009 10:19:14 +0000

You cant; those are for people with good credit. but try emigrantdirect.com. its an online free savings account, so if you open the savings account, you might be able to get their credit card which gives you cash back.

By: DrIG

DrIG — Wed, 24 Jun 2009 17:14:34 +0000

The best advice that I can give is to not use your credit cards.

Don’t worry about cash or mileage. It is much more important that you improve your credit and straighten out your bill paying. As you pay down your debts your credit rating will improve. Just keep the cards open but do not use them.

You may be also able to call your credit card companies and ask for a reduction in your interest rate, if you are lucky and have the discipline to not overuse this device you can obtain cards with a lower rate and transfer your balance. Watch how long the reduced rate is for and what charge if any there is for the transfer.

Good luck.

By: Ask M

Ask M — Sun, 21 Jun 2009 06:37:01 +0000

cash back rewards sound good, but really not worth it, sky miles have to be used up, your best bet would be stay
out of the credit card games (or read the fine print). You
will see your better off doing it the way you are and staying
out of trouble.

By: Just Benefits

Just Benefits — Sat, 20 Jun 2009 13:14:27 +0000

Hello JayRust , , ,

I know exactly what you are into there , dont worry . . .

Open Google and type this phrase as it is :

Americans living beyonds means

first site in search results called Only Best Deals click it and

see all types of offers comes with credit cards , but please

note if you didnt find exactly what you are looking for simply

use the top search box this must lead to your answers and

you just type >>> credit card with reward or cash back

or credit card with sky miles , , , this should lead you soon to

your answers

Good Luck JayRust & Have A Very Nice Day

By: Cruiser 68

Cruiser 68 — Fri, 19 Jun 2009 21:27:08 +0000

Sounds like it might be difficult until you build your credit back up. check out

By: notnaked

notnaked — Wed, 17 Jun 2009 16:59:30 +0000

Yes! Quit living beyond your means, quit using the cards and get your credit straightened out!