3 months ago
Kiplinger
By knowing your credit score and using credit cards that require a deposit, store credit cards, or select traditional credit cards, you should be able to build back a favorable credit record. If you have been turned down for credit or told you have bad credit, you still have options for getting a credit card. If you rarely pay your bills on time or max out your credit card, you may not be ready to handle having a credit card. A secured credit card is not a quick way to get access to new credit. If you are unable to pay your credit card bill at the end of the month you could easily fall into a credit card hole, damaging your credit even further.
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