You may be in the market to find an unsecured card, and that’s fine. But what you’re finding out, or you’re soon going to find out is that an unsecured credit card is very hard to get approved for, when you don’t have the best credit score.

Why is this?

An unsecured credit card, unlike a secured card won’t ask for any collateral. Instead, they will allow to apply just like a regular card. If you don’t have the sufficient credit to apply for the card, you will soon find out that you’re going to get more denial letters than you accepted!

What should you do?

In all honesty, when I work my clients, or I get phone calls, and they ask where I should go, I always point them to a secured card. The reason is because you will be able to get approved 99.9% of the time, if you have the right deposit. If you have the money to get approved, you’re soon going to find out that you will get approved, rather than denied.

The great thing about this card is that you’re going to be able to pay it off just like any other card. The harder you work at it, the more your score will rise. Once your score starts climbing again, you will then be able to slowly graduate to a regular credit card. When you do that, you won’t have to worry about fees, and/or anything else that’s related to the credit card that many companies like to throw in there when you’re looking to get credit as a person with a lousy credit score.

Find unsecured credit cards as well as secured all at FINDsecuredcards, where you can find more of my work as well.