A Bad-Credit credit card is like a normal credit card, however it is designed to accommodate individuals with bad credit, and struggle to be accepted for a more traditional credit card. For all practical purposes, a bad-credit credit card functions similar to a traditional credit card, but catered specifically for individuals with bad credit. Bad-Credit credit cards may, or may not, be associated with a major credit card brand, such as Visa or MasterCard.

Bad-credit credit cards often have considerably higher interest rates and other fees than traditional credit cards. They may also be limited to a small daily purchasing limit, have monthly caps and a lower maximum limit than traditional credit cards. Be sure to evaluate the terms and conditions of the bad-credit credit card before signing up for one. The interest rates, fees, late payment penalties, and other special conditions may detract from the convenience of having a credit card. You may want to consider a prepaid or secured credit card.



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