2021 Best Unsecured Credit Cards for Bad Credit - How to Rank Poor Credit / Bad Credit Credit Cards
Vložit
- čas přidán 29. 06. 2024
- Support our channel by choosing your next credit card using one of the card links at:
- FAIR CREDIT: www.proudmoney.com/credit-car...
- BAD CREDIT: www.proudmoney.com/best-credi...
- BEST: www.proudmoney.com/best-credi...
- CASH BACK: www.proudmoney.com/best-cash-...
- TRAVEL: www.proudmoney.com/best-trave...
- BONUS: www.proudmoney.com/best-credi...
- BALANCE TRANSFER: www.proudmoney.com/best-balan...
- GAS: www.proudmoney.com/best-gas-c...
- BUSINESS: www.proudmoney.com/best-busin...
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $325 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp...
- Use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.)
.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
.
Our site: www.ProudMoney.com
Contact: Adam Jusko adam@proudmoney.com
(for business/media inquiries only; unfortunately I do not have the time to offer thoughtful answers to the many individual credit & money questions I get by e-mail --- but I do read them and try to incorporate answers to common questions into future videos!)
#badcredit #creditcards #badcreditcreditcards - Jak na to + styl
Support our channel by choosing your next credit card using one of the card links at:
- FAIR CREDIT: www.proudmoney.com/credit-cards-for-fair-credit/
- BAD CREDIT: www.proudmoney.com/best-credit-cards-for-bad-credit-unsecured-secured/
- BEST: www.proudmoney.com/best-credit-cards-on-the-market/
- CASH BACK: www.proudmoney.com/best-cash-back-credit-cards/
- TRAVEL: www.proudmoney.com/best-travel-credit-cards/
- BONUS: www.proudmoney.com/best-credit-card-bonus-offers/
- BALANCE TRANSFER: www.proudmoney.com/best-balance-transfer-credit-cards/
- GAS: www.proudmoney.com/best-gas-credit-cards/
- BUSINESS: www.proudmoney.com/best-business-credit-cards/
(We'll get compensated if you're approved, and we thank you kindly.)
Other ways to support this channel:
- Get a $25 - $325 bonus when you open a SoFi Checking/Savings Account at: www.sofi.com/invite/money?gcp=68388c1c-9593-48a6-8872-7052db78d937
- Use our Amazon.com link: amzn.to/2PpQWoB (As an Amazon Associate, we earn from qualifying purchases.)
.
NOTE: Credit card information in this video is not guaranteed; we have attempted to confirm all information to the best of our ability but we could simply be wrong or the information could be outdated by the time you watch this video. We are doing our best here, but check our work!
2018 I got sick and my credit took a major hit. I never owned a major credit card because I always just used debit cards. So after watching one of your videos I applied to Capital One and received the unsecured Platinum credit card. I received it in March of this year and I've been making my payments on time. This evening I received in the mail a pre-qualified offer from Indigo for their Platinum Mastercard. Do I need to add this for a second credit card to build my credit or just stick with my Capital One card? Thank you.
Are your saying that I might get approved for Amazon with 600 score??
I've been so hooked on your videos lately! Keep up the good work.
Thanks!
Excellent information! Thank you!
i like this guy for a youtuber he seems straight up honest
Great stuff Adam, thanks for the information.
Thanks 🙏🏾 everyone I just got mine from the right plug 🔌 Carderplug4 on telegram he is collected and legit everything works perfectly fine
Good info !!!
After this video I applied to Capital One and now I have a card for $300 credit line thanks for the advice it was a hard for me to find an unsecure card, keep up the good work!
Nice. How is it going so far ? I got my first from capital one also !
Is it a unsecured card.
@@bigkip9537 capital one is unsecured they also have a secured too (i think) and they also do prequalification too
Ive been getting prequalifications from capital one. Ive been denied in the past 2 times yet im getting prequalifications from capital one. So I don't get why they deny me and dont want to apply if they are just going to deny me again for the secured card.
@@freedomadventurer8454 they deny you for the secured card ??? That’s weird. try to get the discover it secured card they have the match back points at end of year plus cash back on stuff. So say end of year you got 400$ In rewards they’ll make it 800 at the end your first year. Capital one approved me for a 500$ unsecured so it’s crazy they didn’t let you get the secured
I have a experian score of 513. I have no score with transunion and no score with equifax. I have 1 debt of $311 on experian. I was denied discover and capital 1 secured card but US Bank approved me of $500 secured card. Thanks for video.
Capital & Credit One are the easiest cc to get approved for regardless of your bad/low credit.
I got accepted for capital one platinum with a 513 score 3 months ago. Even though I have collections on my account from like a year ago.
I got a $300 credit limit, I'd try to spend at least that $300 every month and paid it off before my due date.
It's been 3 months and I got it upgraded to a quicksilver, no annual fee with a 580 score.
Companies like capital one will take a chance on you, if you can't get the unsecured, get a secured one. It's up to you to use that card often, always pay it off, and develope a good relationship, and your credit limit will improve, maybe even quickly.
Was it the unsecured Capital One Platinum Mastercard?
Would love a video on no fee cards that offer the best cell phone protection. Thank you for your work.
Have first premier.... have for 8 months.
No issues. I pay my full balance every month before due. So if paid on time u have no interest.
Haven't had any issues yet
What was/is your limit? Have you noticed an increase in your score in the process?
I applied for the Capital One Platinum credit card and got approved for a $500 limit. I’m working on building my credit. My current credit score is as follows:
Experian: 546
Equifax: 570
TransUnion: 559
I hope this information helps someone out there.
If you already have a platinum card but applied to get the capital silver or savor and you have other cards but capital one qualified you for the unsecured card what should you do and why would they do that. I came in here to get info onto the insecure capital one card but you talked about it briefly. You do help me out a lot but I'm still not sure if things are working for me
Good cards to get Capital One but hard to get credit line increases for sure
I agree. I have two cards from them and to get an increase is like pulling nails.
@@dohboy90 yes I have 3 and to get increases from them after you get increases for paying 5 months you won’t see increases again in a very long while.
@@dohboy90 👆🏿👆🏿👆🏿
If you make one time payments over the minimum for 6 months Capitol One will automatically raise your limits. Mine was doubled within 6 months. If youre only paying the minimum double up your payments.
You should’ve mentioned soft pulls and hard pulls that come with each card. That’ll really help knowing which card has a soft or hard pull, before applying with these cards
Pulls? You mean inquiries??
@@dellis4320 same difference
He did u must of not watching the whole video
@@dellis4320 definitely the same thing. Scary thing is, I think you were serious when you typed this comment 😳
Do a video review of Mastercard aspire credit card
My favorite thing about this channel is it's not just for deadbeats. My first credit card channel sub was a channel that was like "pay in full, pay in full" no s*** how about everyone else
I love both of my credit one bank credit cards
Why 2?
I have 2 credit one cards both are platinum nd they are not as bad as people make them out to be. Granted i destroyed my credit years ago now I'm rebuilding it. I currently have 12k in available credit nd 3k came from credit 1 between both cards. I don't really use them anymore because of the high interest but I keep them open because I don't want my credit line to drop by 3k at the point
I have 2 credit one cards as well. But my cards have relatively low interest rates compared to others that I have. One is 19% and the other is 23% .....Both lower than my crapital one cards, 26.99%.
Thanks 🙏🏾 everyone I just got mine from the right plug 🔌 Carderplug4 on telegram he is cool and legit everything works perfectly fine
I'm not talking about your website I'm talking about the other ones so yes I'm going to apply on yours and see what happens
I have First Premier with a Fico of 477. I have 19.9 APR and 50 dollar annual fee. Not too bad. I also have Applied Bank, 9.99 APR and 48 dollar annual fee. Even better. Both no monthly fee
Is applied good they just sent me a email
@@goatedoldhead_2040 They`re ok. I got 9.99 APR. I only use 10% of my security deposit. I`m having trouble setting up online banking though. Hope this helps some
I don’t have bad credit, but I just got a prescreened offer in the mail for the Avant Mastercard. They are now offering unlimited 2% cash back on all purchases & they claim you can get up to a $3k limit. I was pretty shocked, I almost didn’t even open it because I assumed it still had an annual fee and no rewards.
I have avant credit card with no annual fee
You have any information on Verve Credit Card ?
If you get those cards the Credit One, Reflex or the Indigo...How long should you keep them before closing them and trying to get better ones?
Be sure to actually get approved for the better cards before you close any others. That way you don't put the cart before the horse.
Also don't close all at once. Leave a couple months in between . That way your credit score doesn't tank too far down.
Thanks 🙏🏾 everyone I just got mine from the Right plug 🔌 Carderplug4 on telegram he is cool and legit everything works perfectly fine
@@japinkrandy3242 lies
I watched this video and got a capital 1 woooho
Add Discover and NFCU to your top list
I went to Merrik and applied and got instant approval. I applied for the secured cc. I also went on Capital one and applied for a soft pull and they gave me 4 cards to chose from. I could apply for premier, quicksilver or 2 travel cards. I got the quicksilver unsecured. both easy
Hey Adam, I have a credit card from credit one bank. I’ve had several other credit cards that I’ve got since that card. The specific card I’m wondering about has a $650 credit limit. The only other card I had previous to that one is the capital one platinum card. Wondering if it’s worth keeping this one even though it has a $39 annual fee to help my average age of accounts or if I could close it since I have the capital one card that’s older.
I should probably also say here that I never use it except to pay the annual fee to keep it open because I want to help my average age of accounts.
Check for a downgrade to a no fee card.
@@stanmarsh2499 it’s credit one, so I don’t think there is a downgrade option
I see on their site that there is a single card offered with no fee. Might be worth a call.
Thanks 🙏🏾 everyone I just got mine from the right plug 🔌 Carderplug4 on telegram he is cool and legit everything works perfectly fine
It`s May 3rd, 2022. I had 1st Premier, and 1st access. They sucked. I got rid of them and got my money back. I now have Credit1, Reflex, 1st Savings, Blaze, Destiny, Legacy, Taz, Fortiva, and ok`d yesterday Mission Lane and Aspire. Credit1 took my limit from 300 to 400. Destiny doubled to 600. Fortiva and Mission Lane started me at 500 and Aspire started me at 700. For whatever it`s worth I hope this helps. 4 years ago I screwed with the big banks because of being hospitalized, so I can`t get their cards. Not even Discover.
Fortiva will dbl after 6 months. I didn’t know Destiny dbld I was abt to close my acct with them
I have blaze and mission lane.i would like to get the legacy.the rest of them oh no.take care
@@pursedelighted8313 after 6 months with Legacy, I`m still stuck at 350 dollar limit. Always pay more than minimum or just pay it off every month. So I don`t know what their problem is. Take care yourself
That discover free fico score doesn't work
Just baits you to apply for a card which is secured, doesn't even tell you the score or mention it.
I agree that Total is one of the worst! They have no grace period and they do NOT increase your credit limit.
Summary: Capital one or Opensky
applied for just about 90 percent of these and got declined except for first premier
Right🙄
Do you know what your score was?
Start out with secured TD bank
Put Revvi with Total Visa and First Premier
I hated first premier card! I will check out the other two very soon. Thank you.
I've applied to all of the unsecured credit cards and have been denied each time. And the only one that didn't deny me was first premium bank lol finding out what I know now I'm cancelling the card in the morning
Apply for KIK OFF and Self.
I got approved for Mastercard aspire credit card
Be careful with aspire. They charge me super high Interest.
Is paying off the card completely every month more important than keeping your balance below 20 percent of your available balance?
Yes!
American Express Bluebird is an excellent option for a pre-paid card.
But it doesn’t build your credit.
You guys always say bad credit accepted but I keep getting denied because I have poor credit so it's fake advertisement because they'll say I'm approved and they say I'm declined and I don't think it's right because I'm trying to get a loan to pay off my credit cards which I'm only $1,800 in debt so how can I have poor credit but I want a car credit card where I can build my credit and pay my damn credit bills that are in there so yeah no more fake stuff
Only 1800😂
Man i didnt get approved for any of these cards!! Not 1 of them!! Sheeesh I guess ill never get out of the 500club🤦🤦🤦
I am in the same boat. I have income but i dont want a secured card. But seems like i have to.
Open a chime account and get that credit building card...its free and thats what I did,it bumped me from 483 to 615 in 6 months
@@thetruth1446 Also, open an Extra debit card, they report to the credit bureaus too. It pulls from your checking account and it's helped my score jump up as well.
Secured card is your only way out when your credit score is below 550. Capital one secured plantinum can get you started with $49 deposit.
The truth
They turn me down not good
How many credit cards is too much ?
No such thing. Too much credit utilization is concerning & bad for your credit score.
Early on maybe focus on 2, or 3 cards, and get higher credit limits on those, so you don't get stuck with a bunch of cards that have low limits.
But it doesn't really matter, the most important thing is use the cards, and pay them off completely by your due date.
I have 10 credit everything are 300.00
Feels bad man
Thanks 🙏🏾 everyone I just got mine from the right plug 🔌 Carderplug4 on telegram he is cool and legit everything works perfectly fine
Most of these cards listed you need a minimum of 600 score. Amazon is around 640+
Avant and those other unheard of 580+
Not sure where you did your research if any but its false. We dont want to keep applying that just looks bad on credit report
I guess it depends on what you consider bad credit, which i believe i said in the video. At a certain point, secured cards are all that will be open to you, which i believe was also stated in the video.
That’s false I have a 556 and have Avant, Merrick, and Mission lane
@@ProudMoney I have capital 1 secured, self, and Kikoff going on month 6 perfect payment history but I don’t want no more secured cards 💳 when should I apply for an unsecured card I have navy federal but I don’t want nothing else secured
I got accepted for capital one platinum with a 513 score. It's been 3 months and I got it upgraded to a quicksilver, no annual fee with a 580 score, a card that you need mid 600s to 700.
Your score is just a guideline but it's not always set in stone.
Companies like capital one will take a chance on you, if you can't get the unsecured, get a secured one. It's up to you to use that card often, always pay it off, and develope a good relationship.
Can u get denied for a secured credit card
Lol no as long as you pay your money up front
Yes. For instance Discover, BOA, WF, and Petal are a few that will reject you.
@@OP_-pk9hm You can be denied for a secured card.
YES. I have a BOA checking account and got denied for a BOA secured CC.
Yes, I have been denied for the Discover secured CC, the Bank of America Cash rewards (even after having a BoA checking account with them for more than 15 years), petal and mission Lane, all of them secured credit cards but denied me up front.
The worst customer service there is. Wait time is more than an hour.
All the credit cards that are secured have denied me.
Capital one credit card approves everyone $300 atleast
@@diehardoutdoors That is false
Apply for KIK OFF and Self.
What about chase credit card? Is it worth it? Does it help with low credit scores
Chase is one of the big boys they not messing with anyone with low credit trust .
Get ya game up and then go to them but don't start with them and have a low score wasting time
You need to be in the 700s and a credit history at least 3y/o. Also Chase does 5/24 meaning no more than 5 enquiries in 24 months.
@@shonevans2563 yeah chase don’t play that 👀👀
@@mrmartin7131 lmfao they don’t
1st
🔥🔥🔥
Thanks 🙏🏾 everyone i just got mine from the right plug 🔌 Carderplug4 on telegram he is cool and legit everything works perfectly fine
Will closing a secured card hurt your score?
Heard it’s better to report it stolen
Yes bro
@@reztrack2087 they'll just send a replacement card. Under no circumstances will that close an account.
Funny story my credit was so bad the only bank that would approve me in 2020 was capital one secure card I put the max deposit down of $799 and they granted me a $1000 card (the add extra credit based on deposit, after 6 months of using it I went for a kohls card and got it , fast forward 2022 I tried for an academy card and got it and Walmart capital one card , and a few others lower limits then my original but it takes time to rebuild credit but with responsible use and consistently making payments on time or auto pay, anything is possible 🙌
Nothing about this story was funny.
what about people who have no credit
You could also do a self starter loan. It's a loan whereby you're paying yoursrlf- monthly payments go into a savings account and you get the funds back at the end of the term. It reports to all three credit bureaus.
What is it called and how do I find it please
Man 26 yr old son had no credit. I added him as an authorized user & paid the card off each month for 6 months he finally got a score of 700. Now he has his own Walmart, target & credit 1 card all with decent limits.
Discover is doing away with the credit scorecard...
yes why :(
saw that notice the other day, … dumb
Is 456 bad or really bad
That’s really bad I used to have a 720 and right now I’m at 550 but don’t lose hope man a lot of people mess up their credit and recover just takes patience
@@DynamiteDre96 thanks I applied for the captial one secured card and got approve
Really bad lol😭😭
@@sweetaspie8076 ~ how much did you put down and how much are your monthly card payments ~
Horrible 350 is basically as low as you can go.
My credit score is 289 - is this bad or fair?
😬
I have a 650 and I consider it bad
Mine was 300 at this time last, now I’m at about 650 . And I have 6 cards I started with OpenSky and 300 limit of my own money. And I’m so happy now
@@derrickbailey7681 how long it took u to build it back up
@@johnnyyyy1712 about a year
I do like your videos, however.. you can beat around the bush, talking about crap that we don't care about until I leave... can you not get to the point, maybe a little faster?
It's just not my nature. 😬
Holy smokes this is a sad video LOL
This video was a waste of my time. If you've been in the credit rebuilding faze for any minimum amount of time, move on to the next video
Lmao this guy just goes on and on!