Getting A Credit Card Even With Bad Credit

Feb. 2, 2013 - PRLog -- You can use a credit card to buy things and pay for them over time, but remember, buying with credit is a loan and you will have to pay the money back. Some issuers charge an annual fee for their cards and some credit card issuers also provide “courtesy” checks to their customers. You can use these checks in place of your card, but they’re not a gift and they’re also a loan that you must pay back and if you don’t pay your bill on time or in full when it’s  becomes due, you will owe a finance charge.

When applying for credit cards, even with bad credit, it’s important to shop around. Fees, interest rates, finance charges, and benefits can vary greatly. And, in some cases, credit cards might seem like great deals until you read the fine print and disclosures.

When you’re trying to find the credit card that’s right for you, look at the annual percentage rate, grace period, annual fees, transaction fees, and other charges. These fees and charges can really add up over time so it's important to shop for the best offer.

As a consumer, it pays to be smart when choosing and using a credit card. For consumers who need a credit card but have less than perfect credit, there is one Company called "Bad Credit MD" that has real credit card solutions for people with credit problems. They offer their advice free to consumers along with reviews of lenders and credit card issuers, with no gimmicks, at http://www.badcreditmd.com/.

Bad Credit MD, is a  free On-line consumer information guide that helps people with credit problems in Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Bad Credit MD has been in business helping consumers with bad credit since April of 2007 and is a subsidiary of Enticing Designs Publishing. The staff has various backgrounds in the financial and mortgage industry. This self-help site has over 500 pages of credit advice and articles. Its staff has researched its information with various governments around the world to provide the most comprehensive and accurate information free of charge.