Q: What's the best credit card for someone with a 595 credit 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.
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