Credit Card Options For Bad Credit Borrowers presented by Attorney Mory Brenner Hearing "bankruptcy" and "credit cards" used in the same sentence would not surprise anyone. High credit card debt bears responsibility for most Chapter 7 bankruptcy fillings. Yet the frequency of the following word combination always startles me: "I can not consider bankruptcy because I need a credit card." Such comments come not from people addicted to credit card use (people addicted to credit card use have usually abandoned this philosophy before they see a lawyer). These remarks come from those who debt calculators america first credit union recognize the importance of having a credit card for the many conveniences they offer in our society. Ordering merchandise online and renting cars account for just some of the activities that require a credit card. While some individuals over blow the issue into a life or death situation, maintaining a credit card merits serious consideration. Bankruptcy renders those with bad credit as outcasts in the everyday world of credit cards. Luckily options exist beyond typical bankcards, which can provide people with bad credit all of the benefits of carrying a standard debt solutions international america first credit union credit card enjoyed by those with excellent credit. Unsecured Credit Card Most credit cards fall into this category. Yet, as anyone with bad credit has learned, applicants with bad credit get shut out of the average credit card. This frustration can be compounded by rejections by companies that send letters saying a candidate has been pre- approved: Read the fine print on those pre-approval offers, many times the "pre-approved" status comes subject to a credit review. With a bit of research unsecured credit cards for those with bad credit do exist. america first credit union america first credit union The only downside to the reputable bad credit unsecured credit cards come in the form of lower credit limits, higher interest rates and the fact that those with very bad credit may still end up rejected. Debtors must watch out for less reputable cards trying to take advantage of their situation. The most common unsecured card to avoid works like this: An advertisement guarantees you will be accepted for an unsecured credit card. Sure enough you will get an unsecured credit card with a credit limit of $250.00. Your full range of mortgages america first credit union first