Credit Cards for Bad Credit

When your credit score is low, getting approved for a traditional credit card can feel out of reach. But having a credit card is also one of the most effective tools to rebuild credit when used responsibly. That’s where credit cards designed for bad credit come in. But not all of them are helpful and some can actually make things worse if you’re not careful.

Types of Credit Cards You’ll See

Secured Credit Cards
These require a refundable security deposit. If you put down $200, that usually becomes your credit limit. These are ideal for building or rebuilding credit because they’re easier to get approved for and most report to all three major bureaus (Experian, Equifax, TransUnion).

Unsecured Cards for Poor Credit
These don’t require a deposit but often come with high interest rates, low credit limits, and steep fees. Some are legitimate, others are predatory. If it sounds too easy to get, read the fine print.

Retail/Store Cards
Offered by major retailers and easier to qualify for, but only usable at specific stores. They typically carry very high interest rates, so unless you're disciplined with spending, they can backfire.

What to Look for in a Credit Card (If You Have Bad Credit)

  • Reports to all 3 bureaus: Essential for rebuilding your credit.
  • Low or no annual fee: Avoid cards that charge $99+/year just to stay open.
  • Reasonable APR: High interest is common, but some cards offer lower rates after on-time payments.
  • Upgrade path: Some secured cards allow you to transition into unsecured cards over time no extra application needed.

What to Avoid

  • Cards with application fees, monthly service fees, or processing charges before you even use the card
  • Offers that don’t clearly explain APR, credit limits, or terms
  • “Pre-approved” deals that require upfront payment

How Credit Cards Fit Into Credit Repair

Used the right way, a credit card is a powerful credit-building tool. The key is keeping your balance low, making on-time payments, and avoiding unnecessary applications.

If your credit report already has damage collections, charge-offs, or incorrect information a credit card alone won’t fix it. That’s where legal credit repair services come in.

Let RLGCRS Help You Rebuild the Right Way

At RLGCRS, we help clients not only dispute inaccurate items on their credit reports we guide them on how to rebuild credit responsibly with the right tools, timing, and support.

We don’t sell credit cards. But we do help you understand which ones serve you best and which to avoid.

Book a consultation today and get attorney-backed credit repair with real results.

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