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Glossary of Terms

APR

The interest rate charged on a loan, credit card, or mortgage over a year's time

Annual Fee

The fee charged annually by a credit card company to its cardholders. This amount is added to the cardholder's statement.

Bad Credit

An individual's credit rating is typically considered bad or poor if their FICO score falls below 620. Issues that drop a FICO score to such a level include defaulting on (failing to pay back) loans and credit cards, making payments past their due date, and/or carrying a high level of debt.

Balance Transfer

The transfer of an existing account balance (in part or in whole) to a different account, usually an account held with another creditor.

Balance Transfer Fee

The fee charged by a credit card company when a balance is transferred to one of its cards.

Bankruptcy

A legal declaration of one's inability to pay his/her creditors. In most cases, voluntary bankruptcy is initiated by the individual in debt (the debtor); in rare cases, creditors may file a bankruptcy petition against a debtor to initiate an involuntary bankruptcy.

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Prepaid Cards

Advertiser Disclosure

The following are the top prepaid debit cards available to consumers with a bad credit history. These cards require that you deposit funds in order to activate the card, and the charges you make to the card are deducted from this deposit. When your balance runs out, you will need to reload the card to continue using it. Each of these offers features a short signup process with no credit check or income requirements.

All Cards | Prepaid Cards | Secured Cards | Unsecured Cards

Advertiser Disclosure

1) NetSpend® Visa® Prepaid Card

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No late fees or credit card debt because this is not a credit card.
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Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
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