What is the best credit card for a bad credit rating?

Answer On One Hand: Orchard Bank Offers Four ChoicesWhen you look through credit card applications online at traditional sites such as, you will see that Orchard Bank is mentioned seve... Read More »

Top Q&A For: What is the best credit card for a bad credit r...

Does it hurt a credit rating to cancel a paid off credit card?

Closing a paid off credit card can lower your credit score because that card will no longer report that you are on time with your payments each month. In addition, it will increase the percentage o... Read More »

Can your credit rating or score improve without using your credit card?

On One Hand: Using Credit Cards Improves Credit ScoresIndividuals can improve their credit score by regularly using their credit cards. An individual's credit score is determined by the status of t... Read More »

How to Get a Visa Card Without a Credit Rating?

So you want a Visa card but you have no credit? Not to worry. There are a number of options available to people with limited or no credit. Secured credit cards have been around a long time, gift ca... Read More »

How do I add a user to a credit card to improve the rating?

Contact Your Credit Card CompanyWrite a letter to your credit card company to ask that it adds your friend to your credit card as a secondary cardholder. Let the credit card company know that you'r... Read More »