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My credit score is bad and I am disabled. I would like an unsecured credit card. What are my options? I really need to improve my credit.

Answered on October 30, 2015

Since your credit is bad, we would recommend you a secured credit card to improve your credit. Secured cards are easier to get because they require a security deposit that should be paid before the card is issued. Secured cards can come with lower rates and fees and they are usually reported to all three major credit bureaus monthly.
As for an unsecured credit card, you can qualify for one if your credit score is above 550 and you do not have bad things on your credit reports (like late payments, bankruptcy, recent credit inquiries). The credit card issuers become more demanding when it comes to unsecured credit cards, so be attentive and read the cards terms and conditions before you apply.

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