How to Get a Credit Card With a Low Credit Score

credit card for low credit score

If you’re struggling to get a credit cards bad credit cwith a bad credit score, there are steps you can take to increase your odds of getting approved. For the best results, WalletHub’s editors recommend secured cards with low fees, rewards and credit-building features.

The key to using a credit card to improve your credit is to pay off all charges every month. That way, you can avoid paying interest and reducing your credit limit.

The Importance of Making On-Time Payments on Your Credit Card for a Low Credit Score

Find a Credit Card That’s Right for You

When looking for a credit card, it’s important to shop around and compare offers. The quickest way to do that is with an online search tool. WalletHub’s editors regularly review more than 1,500 credit cards based on factors including their approval requirements, credit-bureau reporting practices and fees.

Consider Your Budget

One of the most common mistakes people make when looking for a card with a low credit score is trying to save money by selecting a card with a high annual fee. This can cost you money in the long run because it eats into your budget and increases the chances of you carrying a balance.

Keep Your Credit Usage Under 30%

One of the fastest ways to build your credit is by using a credit card responsibly. This means making on-time payments, keeping your credit utilization ratio below 30 percent and practicing other responsible credit habits. You’ll also want to monitor your credit report regularly so that you can correct any errors or fraudulent information.