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Finding a credit card with bad credit can be difficult.  Especially with banks going bankrupt and homeowners losing their homes.  We all need a second chance some time or another.  There are alot of online credit cards most asking upfront fees or deposits.  Don’t apply for more than one credit card at a time this can lower your credit rating even if it’s already bad it will put a red flag up with the credit bureaus.  The first card to try is the imagine card go to www.imagine.com to apply they have cash advance also.  This card is good to reestablish credit.  You also get a credit increase with on time payments.  Capital one has a credit card especially for people with bad credit.  This card can be personalized with your own photo on it.  Go to www.capitalone.com You can also try wwwww.imagine.com to apply they have cash advance also.  This card is good to reestablish credit.  You also get a credit increase with on time payments.  Capital one has a credit card especially for people with bad credit.  This card can be personalized with your own photo on it.  Go to www.capitalone.com You can also try www.creditcards.com they will give you a list of the top bad credit credit cards and it’s up to date. they will give you a list of the top bad credit credit cards and it’s up to date.

Finding a credit card with bad credit can be difficult.  Especially with banks going bankrupt and homeowners losing their homes.  We all need a second chance some time or another.  There are alot of online credit cards most asking upfront fees or deposits.  Don’t apply for more than one credit card at a time this can lower your credit rating even if it’s already bad it will put a red flag up with the credit bureaus.  The first card to try is the imagine card go to

w.creditcards.com

Egg credit card users receive exciting discounts on online purchases. Egg credit card offers zero interest rate balance transfer on purchases for a specified period. Egg credit card provides these offers to those who pay the bills in time and stay within the credit limit. Some other features are provided buy egg credit card are as follows-

Egg credit card has APR of 19.6%, which is variable

Egg credit card provide Fee of 2 pounds for monthly paper statements

Egg credit card is Flexible online balance transfer, overdrafts, and loans

Egg credit card provides paperless application procedure

Egg credit card give discounts on purchasing egg insurance

Egg insurance covers an amount of 1000 pound on the products costing 25 pound

Egg credit card protects all unauthorized transactions very strongly

If the travel fare is paid through the egg credit card it gives travel accident insurance for card holder and his immediate family

Egg credit card does not cost any annual fee

Egg credit card protects online fraud

Egg Online Services

It enable card holder to transfer balances from other credit cards, store cards, loans or overdrafts

It gives one off payments service

Withdrawal can be maid from savings account

Money can be sent by email to friends and family

Non-egg accounts can me managed using egg accounts

Recent transactions can be viewed very easily

Personal details can be updated if required

Secure massages can be sent

Egg online services have following features

Any ISP can be used to access the service

It has 128-bit encryption

It requires Netscape Navigator 4.08

If the email cannot be sent securely egg representative might call the customer

Customer may not be able to access “Your Money” area if the computer is connected to a firewall protected network

To apply for an egg credit card customer must have

Minimum 18 years of old

Proof of residence for the last two years

Internet access

A UK bank account

Customer Evaluation of the Egg Credit Card

In efficient customer service

High interest rate

Dissatisfaction

Customer’s Evaluation

Customer-1

“Worst credit card in UK market I used this card from 2002 – in 2007 they suddenly closed my card without any indication’s paid off and closed my contract.”

Customer-2

“My Egg card is the worst card I’ve ever had, their service is rubbish. As soon as i sort out a current issue I will cut it up into tiny bits. they also give people ‘bad’ credit for no good reason and phone you up to tell you can’t withdraw £20 cash with your credit card when you’re about 400 below your limit.”

Customer-3

“Received a letter telling me they were reducing my credit limit from £7,500 to £500 for no reason, and with absolutely no explanation.”

Customer-4

“Have had an egg card for over a year, paid it off in full – balance zero & closed the account.”

Customer-5

“Really poor credit card, high interest, major pusher of useless PPI and not one decent balance transfer offer in 8 years with them.”

Having a credit card and using it responsibly can help build excellent credit and even make you a few extra dollars along the way. However the keyword here is ‘responsible’ and those who fall into the credit card debt trap may end up hurting their credit score, paying thousands in interest, and certainly not benefiting from any of it.

While I personally disapprove of credit card companies preying on college students on campuses across the country, I do understand that having a credit card can help build credit, come in handy in a pinch, and when used properly help you save money.

I didn’t get my first credit card till almost a year after graduating from my undergraduate program. Fast forward 2 years and I’ve paid no interest on the credit card, received over 250 dollars back in cash rebates, earned interest on my money during grace periods, and been protected from fraudulent purchases. On top of that I’ve further established my good credit and maintained what most bank experts would consider an excellent score.

So why should college students consider ‘taking the plunge’ and getting a first credit card?

Simply put it can be an excellent learning experience and it can help build credit, something that when maintained will save money later down the line.

On the experience side of things, a college student with a fresh piece of plastic money in their hands will instantly make one of two decisions. They will either respect the credit card and use it as they feel comfortable, pay the bill in full monthly, and not impulse buy. Or they will see it as free money and start buying all their roommates dinner and drinks and buying themselves new clothes and electronics monthly.

Both situations will lead to early experiences with credit cards. The thrifty student will save money by not paying interest and will continue to respect the value of money and the credit card.

The free spending student will learn quickly that paying interest stinks and they’ll watch their bank account drain as their credit card balance very slowly creeps down. Hopefully they’ll learn that spending money they don’t have (or won’t have come the due date) costs a lot more in the long run and making minimum payments just drags out the money draining cycle.

Both students by getting a credit card in college will learn for better or worse the responsibility that comes with using a credit card. They’ll learn the pros and cons of having a credit card. The important thing here is that they will still be young while learning the ropes of credit cards.

They say that college is a time to experiment and explore and while I am not condoning getting a stack of credit cards to finance spring break vacations and all the latest gadgets, part of this exploring process involves figuring out how to become responsible and slowly learn how the real world works.

If you are a college student considering getting your first credit, you are already taking a good step in establishing credit and good spending habits.

Keep the following in mind before applying for your first credit card:

Don’t apply for a lot of credit cards just for free stuff. This will hurt your chances of actually getting a credit card, will lower your credit score, and may leave you with more credit then you can handle.

Read the fine print. Always be aware of when promotional interest periods end and pay your balance in full every month. This will help you get into a flow of responsible spending, you’ll be accountable for every purchase you make.

Never use cash advances or those checks that come with your credit card.
Skip the ‘student’ branded credit cards. Most of them are riddled with higher interest rates, higher penalty fees, and confusing rewards programs. If you can, try to apply for a regular credit card. Rewards credit cards can offer far greater perks like cash back to the responsible cardholder.

Review your statements monthly to see your spending habits and of course to check for errors or possible unauthorized purchases. You’ll not only be protecting yourself, but you’ll be getting valuable insight into your monthly spending habits.

Finally never treat a credit card as ‘extra’ money. Your credit card becomes basically your debit card. Only spend what you have or what you know you’ll be able to pay off at the end of the month. By keeping this in mind, you’ll always have enough to pay it off monthly and you’ll be less tempted to impulse buy.

Take the plunge and apply for a credit card when you are ready and only if you have some source of income and begin building your credit and learning about responsible spending today.