Are there any credit cards for 400 credit scores?

Yes, there are numerous credit cards to choose from, even with a 400 FICO score. Many of the cards featured on this page and our <a href="https://www.moneygeek.com/credit-cards/secured/">top secured credit card page</a> accept applicants with little to no credit.

Can you get a credit card with a 500 credit score?

Yes, a FICO 500 credit score can get you approved for a new credit card. Based on your score, you may have to apply for a secured credit card, such as the Platinum Secured Mastercard from Capital One .

Are there any good credit cards for 600 credit scores?

Yes, with a FICO 600, you fall into the fair credit score category . These cards begin to offer good benefits and lower fees, such as the Capital One QuicksilverOne Cash Rewards Credit Card , which offers an unlimited 1.5% cash back with a $39 annual fee.

What can I do if I’m not approved for any credit cards?

Not everyone who applies for a credit card will be approved. When this happens, you can build your credit score in alternative ways, such as being added as an authorized user on someone else's card or taking out a credit builder loan.

Can store credit cards like those from Best Buy and Home Depot improve your credit score?

Yes, retail credit cards can improve your credit score as long as they report to the three major credit bureaus. Retail cards can only be used at that brand's locations, but they show your ability to make payments on time and stay within your credit limit, which are important factors in your credit score.

Are there rewards cards for people with bad credit?

Yes, many banks offer credit cards designed for people with bad credit. Often, a security deposit will be required to cover your charges in case you do not pay your bill. Some cards will automatically increase your credit line or convert to an unsecured card if you've handled your card responsibly.

How does bankruptcy affect your credit score?

Bankruptcy drops your score immediately into the "very poor" (FICO 300 to 579) category because you are defaulting on your accounts. The bankruptcy will stay on your credit report for up to 10 years. Over time, with responsible use of credit, your score will improve.

Can you get a credit card after bankruptcy?

Yes. While bankruptcy does have a profoundly negative effect on your credit score, it is not a financial death sentence. Some banks will approve you for a credit card shortly after your case has been discharged.

Are pre-approved or by-mail credit cards a good idea?

Pre-approved offers can be a good idea because they indicate that you have a good chance of approval for that credit card. Before applying, research other offers because you may find a card that earns more rewards, offers better benefits or has a lower fee.

Do pre-approved credit card offers hurt your credit score?

No. When you receive a pre-approved offer, the bank has used a soft inquiry on your credit, which does not affect your credit score . Only when you submit your application for the offer will a hard inquiry post to your credit report and impact your score.

Can I lie about income on a credit card application?

Most banks do not request verification of the income that is listed on a credit card application. However, if you knowingly report inaccurate data on your application, you are committing fraud. No credit card is worth being convicted of a crime.

Do credit checks look at your bank account?

No, your bank account is not normally listed on your credit report.

Do you need a bank account to get a credit card?

Most banks do not require a bank account to approve you for a credit card. However, having an active bank account at the bank you're applying to can improve your odds of approval. Additionally, having an open bank account makes it easier to pay your credit card bill each month.

Can you actually improve your credit score in 30 days?

Yes. Lowering your utilization ratio (the amount owed versus your credit limit) is one of the quickest ways to improve your credit score . You can do this by paying down your balances or by increasing your credit limits.

What bills help build credit?

Most lenders report to the three major credit bureaus when you borrow money, such as when you take out a car loan, credit card or line of credit. Experian Boost gives consumers credit for other bills, such as phone bills, utilities and popular streaming services.

Best Credit Cards for Bad Credit in 2024

Name: Best Credit Cards for Bad Credit in 2024
Item: Best Credit Cards for Bad Credit in 2024
Author: Lee Huffman

The top credit cards for bad credit help you rebuild your credit. Whether you pick a secured or unsecured card, options like the Citi® Secured Mastercard® & Credit One Bank Unsecured Platinum Visa Card are worth considering.

ByLee Huffman

Edited byErika Hearthway

Contributions by6 experts

Updated: March 19, 2024

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About Lee Huffman

Lee Huffman spent 18 years as a financial planner and corporate finance manager before quitting his corporate job to write full-time in 2018. Lee has been writing about early retirement, credit cards, travel, insurance, and other personal finance topics since 2012. He enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. When Lee is not getting his passport stamped around the world, he's researching methods to earn more miles and points towards his next vacation.

Lee's writing can be found on many popular travel and credit card websites such as The Points Guy, Investopedia and NerdWallet. You can follow Lee's travels at BaldThoughts.com or listen to his weekly travel podcast at WeTravelThere.com.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.

Best Credit Cards for Bad Credit in 2024

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