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Credit Cards

Repair Your Credit

Your history of using credit cards and paying them on time can have a big impact on your FICO Score. If you don’t have an established a credit history or have a bad credit standing, a Prepaid Card can be one of the best ways to establish, or re-establish, good credit.

You are likely to be approved for a Prepaid Card since you don’t need a co-applicant and the credit that you can use on it is the amount of security deposit that you have prepaid onto the card. You can increase your card’s limit by depositing more into the card’s account. To the three major credit bureaus, a Prepaid Card is the same as any other credit card so make your payments on time and keep your balances low so that the account is in good standing when it is reported to the credit bureaus.

Consolidate Credit Card Debt

If you have large balances across multiple credit cards, consolidating those balances onto a single card with a lower interest rate and fees can make that debt easier to manage and pay down. Balance Transfer Cards often have low introductory interest rates and fees for transferring balances from other cards. Look closely at all terms and fees on a Balance Transfer Card, including those for new purchases, to make sure that how you plan to pay down the consolidated debt and use the card will enable you to save money without incurring additional fees or interest.