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Credit Cards for Bad Credit
There are a number of reasons why people lose control of their finances, such as a foreclosure on a home or a business going bankrupt. Financial issues can make it hard for people to pay their bills on time. Companies you do business with, such as cell phone and cable companies, report each month to the credit bureau on your payments. If you are often late, your credit score will probably decrease. Should you apply for a loan after several months of late payments, your will be turned down because of your poor credit.
Applying for a bad credit credit card may be a good idea – these carry a much lower spending limit and are often secured with a collateral tied to your savings account, but if your credit situation is far from perfect, considering a bad credit credit card may be an option. Not a single merchant you choose to do business with will notice your card was issued for someone with bad credit as it looks exactly the same as other cards do.