high limit credit cards for fair credit

People with good credit scores are easily approved for high limit credit cards for fair credit, since good credit rating is a prerequisite for the same.

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Credit Cards For Poor To Fair Credit LA New Orleans 70127 Online Approval

Get credit cards for poor to fair credit near me in New Orleans LA 70127. Our people recognize the need for hurried emergency same day online approval. It is quick and easy to qualify when you reside near 70127. There comes a period of time for folks when they find themselves lacking financial resources. It could be that you require capital for a small-sized retreat or you had a car emergency situation. Payday loans typically are normally relatively quick and easy to access. Up until fairly recently the fundamental method was to visit a payday loan "store9quot;, a location setup to do payday or what is described as "fast money" loans, and submit an application. The way the basic payday advance loan works is that for a provided quantity the debtor would compose a post dated check. For instance if you obtain $500, you would write the payday you can try these out advance shop a check that would be cashed or put through the banking system on your next payday, thus the name payday loan. It doesn't matter if you have bad credit, that isn't the point. You are providing them with a post dated check so your credit isn't an issue. These loans began recently and have progressed into a prospering market.

There'll be times in your life where you will require some extra cash in your hands. If you're lucky to save cash in your bank account, you could absolutely deal with any financial problems by yourself. However, most of us nowadays don't even have savings and we often live from monthly paycheck to monthly salary without saving a single penny. If you're in a circumstance where you're in need of money, it is good to understand that you'll find choices to help you deal with this concern. Short-term personal loans or emergency cash advances are currently accessible and they could acquired even by folks with a poor credit score. Also known as pay day loans, short-term cash advances in 70127 will likely be able to help people who do not have access to high street lenders.

Poor to fair credit cards

credit cards for poor to fair credit New Orleans 70127

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Philadelphia PA 19146

This table lists the state, the maximum loan amount and the regulations in that state.


Credit Cards for People with Fair Credit

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  • Nominal or No Fee Credit Cards
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Poor to fair credit cards

Find the perfect credit card in 3 easy steps with our credit card finder!

Credit Cards and Prepaid Debit Cards for People with Fair Credit

Credit Cards and Prepaid Cards for Fair Credit - Credit Score Range 650-699! Best credit card offers are available for people with all kinds of credit types, even if your credit score is less than perfect and bellow FICO scores/credit scores, you can get a great deal here. Although, credit profile represents the creditworthiness of a person and may be an indicator to the credit type you are eligible for but credit score alone does not guarantee approval of any credit card offer.

  1. Search through the several fair or less than perfect credit card offers bellow.
  2. Compare cards offer side by side in order to determine which card is best for you.
  3. Apply one of the credit card of your choice by filling out a secure online application.


The Best Cards for Bad Credit for 2017

This page includes analysis of our favorite cards from The Simple Dollar’s advertisers and the marketplace. Visit our advertiser disclosure to learn more.

When dealing with bad credit, it can feel like you’re on an island alone. Fortunately, you’re not alone. More than a quarter (27.66%) of consumers have a score between 300 and 600, according to data compiled by TransUnion and Credit.com in March 2017. So, how can you join the nearly 52% of consumers with average to good credit? Start using a credit card! Yes, it sounds counterintuitive, but using a credit card responsibly is one of the best ways to increase your score. The best credit cards for bad credit offer less strict guidelines for anyone in the nearly 28% who want to rebuild or establish credit. Choose one of the cards on our list, make payments on time, and keep credit utilization low to watch your credit score improve over time.

The best credit credit cards for bad credit for 2017

Best Credit Cards for Bad Credit for 2017

Poor to fair credit cards

With quick pre-qualification, cash back on eligible purchases like groceries and gas, and no security deposit, the Credit One Bank® Unsecured Platinum Visa® is our top pick for rebuilding your credit.

Our favorite credit cards for bad credit for 2017

There are two main types of cards for bad credit. Secured credit cards require a security deposit as collateral. Often, your credit limit will be equal to your deposit. While unsecured credit cards can be more difficult to qualify for, they usually offer lower ongoing fees and upfront charges. Take advantage of pre-qualification to find out if you’re likely to be approved.

  • No security deposit required. Get a 100% unsecured card that can help grow and build credit.
  • Focused on growing or rebuilding your credit? We report account activity to all three major credit bureaus each month to help keep your credit score up-to-date.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge
  • Stay in-the-know about your account with custom email and text alerts that remind you of your payment due date, notify you when a payment posts, or warn you if your available credit runs low
  • Show off your style with a premium card design, a fee may apply.
  • Issuer: Credit One
  • Rewards Details: Get 1% cash back on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV. Terms apply.
  • Annual Fee: $0-$99
  • Cash Advance APR: 18.90% - 25.90% Variable
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 16.99% - 24.99% Variable

When it comes to the best credit cards for bad credit, one of our favorites is the Credit One Bank® Unsecured Platinum Visa® for a number of reasons. If you have bad credit and aren’t sure if you’ll get approved, this card has a pre-qualification process that doesn’t dock your credit score. Once approved, you’ll also benefit from rewards. Cardholders can earn 1% cash back on everyday purchases, such as gas, groceries, mobile phone, internet, cable and more. Additionally, the card offers a low annual fee, free monthly credit score tracking, and reporting to all three credit agencies, as well as email and text alerts. Thanks to these features and perks, the Credit One Bank® Unsecured Platinum Visa® is a card that works for just about anyone looking to rebuild their credit score!

  • Get pre-qualified without harming your credit score.
  • Don’t charge anything you couldn’t pay for outright. Budget to pay off your entire balance each month to build credit and avoid interest payments.
  • Use this card on eligible purchases like gas, groceries, and internet to earn cash back.

The Credit One Bank® Unsecured Platinum Visa® does have an annual fee of up to $99. Fortunately, new card members can benefit from an initial $75 annual fee for the first year. Additionally, the cost is spread out in monthly increments instead of a lump sum.

If you’re searching for a credit card that’s more forgiving of a bad credit score and offers rewards, then the Credit One Bank® Unsecured Platinum Visa® is one to consider. The combination of great features provided by this card makes it easy to earn rewards while also building your credit in the process.

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Issuer: Genesis Bank
  • Sign Up Bonus: Easy pre-qualification process with fast response
  • Annual Fee: $0 - $99
  • Cash Advance APR: 29.9%
  • Foreign Transaction Fee: 1% of each transaction.
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: 23.9%

Anyone who has previously filed for bankruptcy should consider the Indigo® Platinum MasterCard®. A bankruptcy can stay on your credit report for seven to 10 years, making it difficult to move past it and rebuild your credit. Luckily, this card’s relaxed guidelines won’t necessarily disqualify you for a previous bankruptcy. If you’re still not sure if you’ll qualify, don’t worry. They offer a pre-qualification option to let you know your likelihood of getting approved (without a hard credit inquiry that could lower your score).

  • Answer a few pre-qualification questions to find out if you’re likely to be approved.
  • Pay your balance on time each month to strengthen your credit score and avoid the high penalty APR.
  • Once your credit score is where it needs to be, consider switching to a card that offers a rewards program.

The Indigo® Platinum MasterCard® does have an APR of 23.9% as well as an annual fee of up to $99. Your annual fee may be $0, $59 or $75 first the first year (then $99 afterward), depending on your credit profile and the severity of your credit score. For an option with no annual fee, consider the Discover it® Secured Card - No Annual Fee.

Anyone who’s filed a bankruptcy knows that it can limit your credit options. That’s why the forgiving guidelines from the Indigo® Platinum MasterCard® make it a desirable option. There’s no security deposit required, and the small annual fee makes this card an affordable option for improving your credit score.

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
  • Issuer: Genesis Bank
  • Annual Fee: $35 - $99
  • Foreign Transaction Fee: 1% of each transaction
  • Ongoing APR: 23.90%
  • Penalty APR: 29.90%

The Milestone® Gold MasterCard® is another card that’s forgiving of a previous bankruptcy and won’t necessarily disqualify you if there’s one on your credit report. While the card does have an annual fee and possible account opening fee associated with it, it offers some other perks. You’ll benefit from a $0 cash advance fee during the first year (then $5 or 5% after that), as well as a 1% foreign transaction fee. Milestone also offers a pre-qualification option that won’t impact your credit score.

  • Take advantage of pre-qualification to check your eligibility without a hard inquiry on your credit score.
  • Budget to pay off your balance monthly (or bi-monthly!) to build credit and avoid the higher penalty APR.
  • After your credit score improves, make the switch to a card with a rewards program.

Depending on your credit profile, there may be some upfront fees associated with opening your account. Annual fees are based on your credit score: $35, $59, or $75 (then $99 after the first year). There may also be an account opening fee of $5, $25, or $50. Luckily, your first-year annual fee and account opening fee won’t total more than $75.

The Milestone® Gold MasterCard® has a lot of attractive features. It’s forgiving of a past bankruptcy, it offers $0 cash advance fees the first year and 1% foreign transaction fees, it doesn’t require a security deposit, and it’s backed by MasterCard®, allowing you to use it just about anywhere.

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
  • Issuer: Mid America Bank & Trust Company
  • Annual Fee: See Terms*
  • Cash Advance APR: See Terms*
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: N/A
  • Introductory Balance Transfer Period: N/A
  • Ongoing APR: See Terms*

Anyone who wants to take a disciplined approach to building their credit with minimal bells and whistles should consider the Total VISA® Unsecured Credit Card. The card makes it easy to spend a little while having a big impact on your credit score. Your initial credit limit is capped at $300 (minus fees), meaning you can spend just $100 a month (to keep your credit utilization low) and pay it off in full and on time to boost your credit score.

  • This card has an initial credit limit of $300. To keep your credit usage low, think carefully before making any large purchases.
  • Pay your entire balance monthly (or more often) to avoid interest at this card’s high APR.
  • Once your credit score improves, switch to a card with fewer fees and a rewards program.

There are a number of fees associated with the Total VISA® Unsecured Credit Card. You can expect an annual fee of $75 for the first year (then $48 after that), an $89 processing fee, as well as $6.25 monthly service fee ($75 total, waived the first year). Make sure to pay your balance off in full and on time each month to avoid the 29.99% APR and a late payment fee of up to $38.

The Total VISA® Unsecured Credit Card isn’t for everyone, but if you want to take a disciplined approach to building credit, or you’re cautious about starting out with a high credit limit, you’ll want to consider this card. If you use it responsibly and keep your credit utilization low, this card can be a valuable tool for rebuilding your credit.

  • Issuer: Discover
  • Rewards Details: 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. 1% cash back on all your other purchases.
  • Annual Fee: $0
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 25.99% Variable
  • Introductory APR: N/A
  • Introductory APR Period: N/A
  • Introductory Balance Transfer APR: 10.99%
  • Introductory Balance Transfer Period: 6 months
  • Ongoing APR: 23.99% Variable

If your credit score requires that you consider secured credit cards, then you’ll be happy to know there’s a lot to love about the Discover it® Secured Card - No Annual Fee (that’s why we named it our best overall secured credit card)! Your credit limit is equal to your security deposit, so you will need to come up with the initial deposit. Once you’re a cardholder, though, you’ll benefit from 2% cash back at restaurants and gas stations (up to $1,000 in combined purchases each quarter), plus 1% cash back on all other purchases. Other benefits include automatic dollar-for-dollar cash back matching at the end of the first year and the possibility to have your security deposit refunded after eight months.

  • Monitor your FICO® Credit Score for free in your account or on your monthly statement.
  • Pay off your balance on time and in full. Starting at eight months, Discover will review your credit management across all credit cards and loans (including those backed by other banks.) If your accounts are in good standing, Discover may refund your security deposit.
  • Use this card at restaurants and gas stations to earn extra cash back.

You will need to come up with an initial deposit of at least $200 (up to $2,500, depending on the credit limit you’re approved for). If your credit score is limited but not severely damaged, you may want to consider a card without a security deposit, like the Credit One Bank® Unsecured Platinum Visa®. (You can check to see if you pre-qualify first).

While a security deposit is required, the Discover it® Secured Card - No Annual Fee makes up for it with no annual or monthly fees, plus other perks. Benefits like cash back rewards and cash back matching make this card our top choice among secured credit cards.

  • Best for members rebuilding or establishing credit.
  • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
  • No foreign transaction fees when you travel outside the United States.
  • Issuer: USAA Savings Bank
  • Annual Fee: $35
  • Balance Transfer Fee: 3%
  • Cash Advance APR: 10.90% to 20.90%
  • Foreign Transaction Fee: 1%
  • Ongoing APR: 10.90% to 20.90%
  • Penalty APR: None

Military members and their families should consider the USAA Secured Card® American Express® Card, since it has some of the best features of any secured card. You’ll benefit from a small annual fee of $35, low variable APR rates, no penalty APR, no foreign transaction fee, and super-low 4% APR during deployment or PCS. All of these features make the USAA Secured Card® American Express® Card a valuable resource to servicemen and women as well as their families.

  • Make as large an initial deposit as possible. Your deposit will determine your credit limit (up to $5,000.)
  • Leave your security deposit in your CD for the full two-year term to avoid early withdrawal penalties.
  • Pay your balance on time and in full to boost your credit score.

A security deposit of at least $250 (up to $5,000) is required, meaning you’ll need to come up with that initial cost. However, that deposit will be placed in a two-year interest-earning certificate of deposit (CD) that earns you money over time.

If you’re a member of the armed forces and can put down the security deposit, you’ll find there’s a lot to love about the USAA Secured Card® American Express® Card. While the card does offer a number of perks, you can also feel confident that you’re building or rebuilding your credit with responsible use.

Best Credit Cards for Bad Credit: Summed Up

What to look for when evaluating a credit card

When you’re trying to find the right secured or unsecured credit card for bad credit, you’ll want to keep your eye on a few key items:

  • Annual fee: This is the fee you pay the issuer to maintain your line of credit. Fees can range from $0 to a few hundred dollars a year depending on the credit card. In general, though, especially when you’re just starting out rebuilding or establishing credit, you may have a higher fee. Try to choose a card with a low annual fee, if possible.
  • APR: Annual Percentage Rate (APR) refers to the interest rate charged on your credit card balance when that balance is not paid in full. Again, interest rates will range depending on the card, but typically secured and unsecured credit cards for bad credit have higher rates. Avoid paying interest by paying your balance off in full each month.
  • Credit limit: The initial credit limit refers to the amount of credit you’ll be extended upon opening an account. If you have bad credit, you’ll probably have a lower line of credit ($500 or less). However, being responsible with your card may allow you to extend your credit limit (for free on an unsecured card or for an additional deposit with a secured card).
  • Security deposit: Unsecured cards won’t require a security deposit, but secured cards will require one. Depending on your qualifications, you may be able to put down a couple of hundred dollars to a couple of thousand. This is money you’ll need to pay upfront, though, so make sure you’re ready for that cost. In some cases, like with the Discover it® Secured Card - No Annual Fee, you may qualify to have your security deposit refunded after a period of responsible use.

Keep an eye on these four items to find the best card for you. Ideally, you’ll want an unsecured card with a small or $0 annual fee, low APR, and a reasonable credit limit.

How to choose the right credit card for you

Everyone has a different credit card that’s right for them, so you’ll need to consider what benefits your ideal card would have. Are you looking for low upfront costs? Want a rewards program? Need a low APR? If you’re still not sure, consider these strategies:

Strategy #1: Try to get an unsecured credit card. Unsecured credit cards are more desirable because they don’t require a security deposit and often have lower fees. However, they also have more strict requirements for approval. Fortunately, a number of unsecured cards offer free pre-qualification options that give you an idea if you will qualify without having a hard inquiry on your credit report.

Strategy #2: Go secured for a limited time. If an unsecured credit card isn’t an option at the moment, consider a secured credit card instead. You will need to put a security deposit down; however, in some cases, you may qualify to have your deposit refunded after a period of responsible use. Keep an eye on your credit score during this time so you know when you might be ready to “upgrade” to an unsecured credit card.

Strategy #3: Use a prepaid debit card as a short-term solution. In some cases, you’ll need to have a bank account to open a secured credit card. If you don’t have one yet, consider using a prepaid debit card until you can open an account. Unfortunately, a prepaid debit card doesn’t report to the credit bureaus since they’re not extending credit; however, it’s a good short-term solution while you figure out the best credit card for you and open a bank account.

Six steps to rebuilding or establishing your credit score

Not sure where to get started when it comes to rebuilding or establishing your credit score? These six steps will get you started:

Your credit report will give you insight into how you can improve your credit score. Request a copy of your credit report from all three of the bureaus through AnnualCreditReport.com (you can request a copy of one or all three every 12 months for free). Look through everything on the report to find any patterns that may be hampering your efforts (such as making payments late or missing payments).

While you’re looking through your credit report, you’ll also want to make sure everything is accurate and up to date. Having an inaccuracy on your credit report could be unnecessarily bringing your credit score down. If you find an error, you should dispute it by contacting both the credit reporting agency as well as the company that provided the inaccurate information. You can do so either online, by mail, or by phone.

If you currently have any outstanding credit card debt, you’ll want to pay that off before opening a new line of credit. Your credit utilization rate – the amount you have charged in relation to your credit limit – accounts for 30% of your credit score. This means you’ll want to keep balances low and/or paid off in full each month. After you pay off a card, though, don’t close it out. Having a long credit history is also important to improving your credit score.

Now that you have a better understanding of your credit score and credit report history, it’s time to start establishing or rebuilding your credit. Apply for one of the secured or unsecured credit cards for bad credit on our list. Just be sure to limit the amount of applications you fill out. Too many hard inquiries can hurt your score. Not sure if you’ll get approved? Many of the cards on our list will let you know if you pre-qualify without hurting your credit score.

Now that you’re rebuilding or establishing credit, it’s time to get on top of things. Making on-time payments accounts for 35% of your credit score, so it’s of vital importance not to miss a payment or pay late. Sign up for reminder alerts, set calendar notifications, use a financial tracking software, or download an app that notifies you. You can choose to either make one payment a month or break it up into smaller pieces, such as twice a month or once a week. Just make sure you’re paying the full balance on time each payment cycle.

Once you have the basics down, it’s time to keep repeating them. The only way to build credit is to use credit regularly and responsibly. Charge a small amount each month, pay it off in full, and repeat. Check your credit score every few months to see if it’s increasing. Request a copy of your credit report once a year to review it.

Good credit doesn’t just happen, but if you’re responsible, persistent, and patient with your credit, you can rebuild or establish good credit in time.

Research More Credit Cards to Rebuild Your Credit

Below is a directory with the most popular credit cards for bad credit in the marketplace. These include the best secured credit cards and unsecured credit cards for lower credit. Sometimes, credit card issuers bring new cards to the market and sometimes they choose to discontinue certain cards. All changes are reflected in real-time in this directory.

Sort, filter, or search for what matters most to find the best credit card for you.