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What are some good credit cards to get with bad credit besides pre paid?

Are these credit cards worthy?

  • So I've had a credit card through my bank for about a year now. I have paid off my balance every month on time. Never been late. This has been my first card and I'm trying to build my credit. So now I want another one so I can keep building my credit and just in case I need it. I've gotten letters in the mail from American Express Green and Gold card, Chase Freedom and Slate card, Capital One, US Bank Flex Perks and Discover saying I've been pre-approved for their cards. The APR are sort of low. 11.99%-13.99% except the American Express of course. These APR are fine because I will be paying off the balance every month with rare occasions of keeping a balance. Now I know just because I have been pre-approved, it does not mean I will get the card. So I am getting a credit report to see how good my credit is then I will choose a card. I highly doubt I will get the American Express because of the annual fee's. The rest of the other card have no annual fee's. But for now I would like to see what you guys think of these credit cards companies? Which ones are good from your guy's experience? Suggestions on which one I should go with? Also feel free to suggest another company that you have had a good experience with. Thanks!

  • Answer:

    Capital One will do you good with the venture or cash back card.

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We just signed the paperwork to refi our home today. Our credit scores were between 760 and 830 depending upon the credit reporting agency. We have NO CREDIT CARDS for over 24 years!!!, NO CAR PAYMENTS!!! NO DEBT (except for the mortgage). So why the hell does everyone think they need credit cards to build credit? I'll tell you why: You are BUYING a credit profile with a credit card. It's a scam. As long as CC issuers make people think they NEED a credit card, they will perpetuate the scam as long as possible. Every time you make a purchase with a CC (or debit card), the bank makes about 1.5% from your purchase. They reward you with a higher score because you BOUGHT the score. The more you use your CC (or debit card) they give you a few points on your profile. And if you carry a balance (costing you interest) they give you more points for a higher score. CC issuer know human nature. Humans are lazy, careless, forgetful, egotistical, greedy, impatient, very poor at math and analytical skills. These traits lead to excessive use of CCs and eventually cost card holders money, earning billions for the CC issuers. So, my answer to your question: No credit card is worthy.

first off it shouldn't matter what the APR is because if you pay it in full every month you wont ever be charged for the APR and you will build good credit quickly. Next the card you want in which i prefer is the chase freedom it has the rewards program in which in a short period of using it you can cash back which is great. hope this helped

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