Articles About Finance And Refinancing

Compare Bad Credit Credit Card Offers: Credit-Card-Surplus.com Adds 2 New Bad Credit Credit Cards, Offering Consumers a Complete List of Bad Credit Of

San Francisco, CA (PRWEB) January 28, 2008 -- Credit-Card-Surplus.com (http://www.credit-card-surplus.com) announces the addition of two bad credit credit cards to its website, creating more options for those who have less than perfect credit. Consumers that have filed for bankruptcy or have a low credit score qualify for bad credit credit cards. When used properly, these cards enable customers to rebuild their credit and improve their standings among lenders. With the addition of the Total Visa® Card (http://www.credit-card-surplus.com/total-visa-card.php), and the Access Visa® Card (http://www.credit-card-surplus.com/access-visa-card.php), Credit-Card-Surplus.com provides a total of 13 bad credit cards for consumers to compare.

Who Qualifies for Bad Credit Credit Cards

Credit scores are developed by Fair Isaac & Co. FICO scores are based on numerous factors, including the number of late payment occurrences, credit history, and the percentage of total credit being used. The scale ranges from 300 to 850, and lenders view any score below 620 as a high-risk borrower. Due to the risks involved, not all lenders offer credit cards to those with poor credit.

Certain companies, however, do issue cards to those with a low credit rating. Bad credit credit cards allow this type of consumer the opportunity to own a credit card. Additionally, many of these cards report to major credit bureaus on a regular basis. As the cardholder makes on-time monthly payments, the bureaus are notified. Over time, this leads to a better credit score for the consumer. It allows them to apply for a regular card once their credit is reestablished.

Choosing a Bad Credit Credit Card

Credit cards for those with a rough credit history come in various forms. One type, known as a secured card, requires applicants to deposit money into an account. The credit limit is then based on the amount of the deposit. Consumers are able to use the card for purchases until the limit is reached. They make payments to reimburse their line of credit. This avoids the potential problem of overspending, while offering cardholders the opportunity to use a card and make payments. Over time, the line of credit may be extended. As payments are made on time, credit scores increase and the cardholder will be able to apply for an unsecured card if they so desire.

Unsecured credit cards for those with poor credit do not require a deposit. They include a credit limit and sometimes offer a lower interest rate. They may charge extra fees, due to the risks lenders taken on by issuing the card. As customers make on-time payments, the credit is rebuilt.

Whether they are secured or unsecured, most bad credit credit cards charge setup and annual fees. These charges vary from card to card. Interest rates differ as well. Certain cards report to major credit bureaus, and others inform applicants instantly whether or not they have been approved. By comparing the different offers, those interested in a bad credit credit card can find one that suits their needs and financial situation.

Bad credit credit cards give those who have filed for bankruptcy or run into credit problems the chance to have access to credit. They help these individuals rebuild their credit. Once credit is reestablished, cardholders can look into other options.

For more information, visit Credit-Card-Surplus.com (http://www.credit-card-surplus.com) and view their section of bad credit credit cards (http://www.credit-card-surplus.com/badcredit.php).

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