User talk:Diya4565

Anna Frodesiak (talk) 09:30, 2 December 2013 (UTC)

It’s Only Fair – Credit Cards for Fair Credit

Not everyone today has a perfect credit score. In fact, in today’s economy, it is not uncommon for people to have credit scores in the less-than-perfect range. Credit scores range from around 300 to as high as 850, which is considered a “perfect” score. But what if your credit score isn’t that bad – say, between 620 and 660, which is considered a “fair” score – and you wish to obtain a credit card? Are there credit cards for fair credit ? Fortunately, the answer is “yes.”

Credit cards for fair credit may seem unlikely, but it is entirely possible to get one if you know where to look. There are a lot of companies that offer people a chance to improve their credit by offering credit cards specifically for people with fair credit. Credit cards can be secured or unsecured. Secured credit cards require processing or other types of fees and a down payment, but are most often the best bet for people with fair credit. Even though secured credit cards have higher APRs and may require fees, they are usually the easiest kinds to get if your credit isn’t that good.

In order to improve your credit rating, always pay off your credit card balance in its entirety each month, and pay it off no later than the due date. Below are some of the credit cards available for people with fair credit.

•	Capital One Classic Platinum Credit Card. This card requires a $39 annual fee but reports to all three credit bureaus so you can get your credit back on track. •	Barclay Card Rewards Mastercard. Although the APR is a little high – around 25% – this card does not have any type of annual fee. It also reports to all three credit bureaus.

Credit cards for fair credit do exist, and in today’s economic climate, in many ways they are even easier to get. Do your research – websites such as www.applyforacreditcard.us/low-credit-score-credit-cards offer lots of helpful information – and you may soon have one of these cards in your hands.

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