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How Can I Get a Credit Card When I Have Bad Credit?

Bankruptcy Law Having bad credit won't necessarily prevent you from getting a credit card, but it can make it much more difficult. Here are some tips that will help you get a new card and start to build your credit back up: 
• Apply for credit cards at smaller retail stores. Sometimes these companies are more willing to give you a chance. If your application is accepted, make a small purchase and pay at least the minimum payment every month and on time. (If you pay more than the minimum payment, you won't pay as much in interest charges.) 
• Go to your bank, financial institution or credit union. If they already have your business, they may be more willing to give you a credit card. 
• Apply for a secured credit card if all else fails. You will be required to open and maintain a savings account, as security for your line of credit. Your credit line will be a percentage of your deposit. 
• Get a friend or family member to co-sign for a credit card. Choose someone with good credit because their credit counts as well. If you can't pay back the loan, they must, and it will appear as a blemish on their credit rating. 

Have you not filed for bankruptcy because you are afraid of what will happen to your credit score? We can help! Make sure to speak to Jacoby & Jacoby either online or call us at 631-289-4600 to schedule a FREE consultation with one of our bankruptcy attorneys. We can review your individual situation and advise you about your best options.


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