Bad Credit Credit Cards 
Looking for a New Credit Card? Scores are Important
Before you fill out your application there are a few things you should know. Your ability to get credit will depend on your credit card score (or, more accurately, your ”credit score”). All of your financial history is stored by the creditors you work with and are reported to credit bureaus. Your borrowing history will let retail companies know how reliable you are in paying back a loan on time. Along with detailed histories, the retail company will also review your credit card score. This score may also be known as a FICO score or may be an independent score as created by the credit bureaus. The credit card score is a numerical expression representing your “creditworthiness.”
Banks and credit companies are the ones that you will be working with in order to receive and use a new credit card. These institutions pay close attention to the credit card score. If your credit is low, about the range of 300-600, then they will be careful about lending credit to you. Lenders may impose credit limits, higher interest rates or deny an application altogether because of poor credit. 600-850 is considered average to very good credit, and may open up many more possibilities. In business, having no credit card credit score at all is just the same as having poor credit. Therefore, expect your first credit card to be limited in spending limit, unless of course you have other satisfied creditors in your past. Mobile phone companies, utilities, banks and other commercial lenders could count as creditors.
If you are interested in applying for a new credit card it is wise to check your credit rating and score online before starting the process. That way you will see the same information that your potential lenders are going to review. Having done so, you may want to report any disputes to the credit bureaus or pay off any outstanding balances. You can look at your credit report for free when you search online. This is a provision guaranteed by the Federal Trade Commission under the Fair Credit Reporting Act (FCRA).
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