As taught in our 7 Steps System, credit bureaus reward higher scores to people with at least three revolving credit cards. If you have fewer than three revolving credit cards, we recommend you applying for the appropriate number of credit cards needed to fit your needs.
To follow are the Unsecured credit cards we recommend. Please consider four things before applying:
1) Apply for these credit cards immediately – do not put this off! The longer you wait to apply, the longer it will take to raise your credit.
2) If you are married DO NOT apply for credit jointly with your spouse. You should each apply for three cards, you and your spouse. This way, you will build joint credit files which will protect you in the long run.
3) Apply for them at the same time, this will help with your credit improvement.
4) Keep in mind you only need THREE credit cards (with a maximum of five).
CREDIT CARDS FOR FAIR-GOOD CREDIT
- Reports to all three credit bureaus
- Credit line reported to all 3 major credit bureaus
- Less than Perfect Credit? No Problem! Easy Approval
- Turn Your Hobby or Interest into a Business
- Separate Your Business Expenses for Tax Purposes
- Sole Proprietors and Entrepreneurs Should Apply
- Get Your Card Quickly – Express Delivery Service Available
- The new Discover it card is out to change the way people think about credit cards.
- Fair…no annual fee. No overlimit fee. No foreign transactions fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late*
- Generous…5% cash back at restaurants and movies right now through March on up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases*
- Plus a Cash Back ConciergeSM who guides a free, personalized online tour to help you get the most rewards for how you use your card
- Flexible…Choose your own due date and pay up to midnight ET online or by phone
- Human…talk to a real person any time with 100% U.S.-based service
- 0% Intro APR on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% – 20.99%.*
- 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 10.99%-20.99%.
- * See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.