Guaranteed Bad Credit Credit Cards That Are Unsecured In Alabama

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Lender Handing Over A Credit CardFinancial institutions use various methods to determine if they can approve a individual for a unsecured credit card and the terms that they with offer a applicant. They take into account factors such as how much your total monthly income is, your debt to income ratio, whether or not you own your own home, your current credit score, and if you have a checking or savings account.

For those thinking about applying for a unsecured credit card with bad credit, the U.S. consumer protection agency otherwise known as the Federal Trade Commission (FTC), states that a applicant should be skeptical of platinum, gold, or pre-approved credit card offers that guarantee that they will approve a consumer for a major credit card. The fact is that many of these cards that are being offered come with hefty fees and believe it or not, some of these credit cards can only be used for over priced merchandise from specialized catalogs. In some cases, they won’t allow you to charge the entire price of the merchandise, which in turn, they will require you to pay a cash deposit for each item on your list. In most cases, this amount required for the deposit is more than likely the same amount they paid for the product. Once the deposit is paid in advance, they will then let you charge the remaining balance.

However, not all unsecured credit card offers to people with bad credit are scams. There are many banks and credit unions offering credit builder programs that are willing to give people a fresh start or second chance at a unsecured major credit card. Our staff at InfoAviator Publishing is currently trying to help Alabama residents with locating one of these special programs with local financial institutions in their area. Both our staff and our viewers have been assembling a list that is located at http://answers.infoaviator.org/?qa=501/where-open-unsecured-second-chance-credit-alabama-with-credit&show=502#a502 . Staff Approved OfferIn addition to this list created by us and our viewers, you can also view our list of nationwide real unsecured Visa and MasterCard credit card offers that has been verified by our staff to be accurate at http://infoaviator.org/finance/credit/credit-cards/2014/05/28/who-will-approve-me-for-a-unsecured-credit-card-with-terrible-credit/.

For those that are denied credit, please be aware that there is no guaranteed fast method to improve your credit rating overnight. The only way to raise your credit score is to build a solid history of making on-time monthly payments to your creditors. It is also very important to check and verify that all of the information that is contained in all three of your credit files (Experian, Equifax, and TransUnion) is accurate. For those that find information that they believe to be inaccurate, don’t hesitate to dispute the items with the reporting credit agency.

InfoAviator Publishing is a free consumer organization that wants to help people with bad credit get the credit they need and deserve. Our staff is currently helping the residents of Alabama in the cities and townships of Troy, Homewood, Oxford, Madison, Jacksonville, Jefferson, Albertville, Hueytown, Daphne, Athens, Decatur, Anniston, Alabaster, Saraland, Prattville, Scottsboro, Fort Payne, Helena, Enterprise, Opelika, Huntsville, Cullman, Tuscaloosa, Eufaula, Talladega, Florence, Mountain Brook, Ozark, Trussville, Muscle Shoals, Hartselle, Mobile, Dothan, Leeds, Phenix, Sylacauga, Auburn, Gadsden, Pelham, Jasper, Foley, Center Point, Selma, Hoover, Montgomery, Fairhope, Vestavia Hills, Prichard, Bessemer, Northport, Millbrook, Birmingham, Pell City, Gardendale, Alexander, Autauga, with this task.



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