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What Is the Best Credit Card Offer for Women With Ok but Not Perfect Credit After Divorce or Other Life Change
Carmen S asked:
<BR%20/>Tags: Medicare, Medicare Fraud, Credit Score, Mbna <BR%20/>If you used to have perfect credit but have made some late payments following a move, job loss, deaths in family or health care crisis, erroneous charges or other fraud on accounts, or other life-changing events, is there a credit card offering a good APR introductory rate who isn’t going to consider you “high risk” and take advantage of your current situation to change you from the best rate to the worst? Is there anything where your money does some good like “working assets” that hasn’t been swallowed up by B of A or MBNA? Does a credit score of about 650 mean you should be paying the worst APR rate?
more cards are available
The best is no credit card at all. “Introductory” means they will be jacking it up very soon. Taking advantage of your situation is exactly what they plan to do. The cards go up to an astronomical rate for people whose credit isn’t very good – and it’s buried so deep in the fine print, you’ll never see it.
Wait the 7 years til everything is off your credit report and then think about a credit card. Or get one and give it to a parent or other trusted person for safekeeping so you never actually use it.
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is the best place to look for great rates on credit cards.
Check your credit report at and see what is on your credit and see what you can do to help with improving it. Before you apply for cards.
Remember to keep your debt to income ratios good if you have current debt.
Make your payments on time and only charge what you can afford to pay.
Good Luck
First off, a 650 credit score is not that bad. For a conventional mortgage loan generally base rates start at a 680 credit score. You should not be consider “high risk” in a really bad way and still should be able to get a reasonable interest rate. You do not have to have a card with the 21% on them. Check the site mentioned in the answers here – bankrate.com. It is a great place to check. Do you have a credit union you belong to? They usually have very good terms for members and their rates are very reasonable. Watch some of the introductory rates since they are subject to change if you are a day late making your payment.
If you had fraud and erroneous charges, any documentation, a written letter, whatever, should be copied and sent to all three of the major credit bureaus. Equifax, Trans Union, and Expiran. This should be added to your file so that when a company pulls your credit they will see the errors and fraud issues. This way they will know that there were issues beyond your control. Once you have been able to keep your payments current for 12 months it will make a big difference also.
I know right now it stinks and you feel really fustrated but it will get better. I know.
you might want to go here to compare them
No Annual Fee Credit Cards
Platinum Business Cash Rebate Card from OPEN(SM) The Small Business Team gives No annual fee, The IN:NYC® Card from American Express also comes with No annual fee, Blue from American Express® has No Annual Fee with Low Balance Transfer APR – 4.99% Fixed APR for the life of the balance — especially good if you want to transfer your balances.
Fee free Cards
American Express Preferred Rewards® Gold Card is First Year Fee-Free with Online Fraud Protection Guarantee, Blue from American Express® has Fee-Free Rewards Program, Platinum Business Credit Card from OPENSM The Small Business Team has an Option to Enroll in Fee-Free Rewards Program, the Business Green Rewards Card from OPEN: The Small Business Network(SM) is also Fee-free for the first year – a $95 savings, The American Express Prefered Rewards® Green Card is First Year Fee-Free with Many other travel and shopping benefits. The Starwood Preferred Guest® Credit Card from American Express is First year fee-free and only $30 thereafter it also comes with — Earn 10,000 Starpoints® with your first purchase offer, enough for up to 3 free nights. The Gold Delta SkyMiles® Business Credit Card from OPENSM the small business team is also First Year Free, plus 15,000 SkyMiles with your first purchase, The Business Gold Reward Card from OPENSM the small business team SM has No finance charges.
Choose a best one and apply online at:
The source site lists some cards that help rebuild credit but you might consider a credit repair program as well. . Usually companies charge hundreds of dollars to simply pull your credit and send correctly worded dispute letters—this is the key…..people will tell you that you can do this yourself for free but the truth of the matter is that the credit bureaus will throw your letters away or simply reject them. There is an easy to use online kit that will deliver the results you want available for just $19.95 at the source website. A similar kit is being sold via infomercials and radio talk shows for seventy dollars more but they try to solicit you repeatedly for other services after the fact.
Here is a list of credit cards for people looking to rebuild their credit
good luck