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Added January 28, 2011 from: Beverly Blair Harzog
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Answered By Beverly Blair Harzog:
I'm afraid your credit score is in the "bad credit" range, but don't despair. There are steps you can take to improve your score.

One step is to get a secured credit card. With a secured card, you make a deposit in a savings account and this amount is used as your credit limit, less any fees required. The Public Savings Bank Secured Card does have a one-time setup fee of $79, but there isn't a monthly maintenance fee. There's a fairly low 11.24 percent APR, which is good for a secured card. This issuer reports your credit history to all three major credit bureaus. So you also have a chance to rebuild a good credit history.


Once you obtain a credit card, whether it's secured or unsecured, your next step is to pay your bills on time and be a diligent cardholder. If you maintain good financial behavior over time, your score should start to climb.

This question is about:  Credit Cards for Bad Credit
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