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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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You may contact us at any time by submitting the online form below. Please note that BadCreditOffers.com is not a credit provider and does not process applications or collect payments, so you should always contact the credit provider directly with questions about your application status or an existing account.
If you have a question about a particular offer on our website, please contact the offer's provider directly. BadCreditOffers.com is unable to answer questions regarding particular offers or your individual credit outlook, as those questions are best suited for credit providers themselves. However, we do welcome general feedback and any suggestions that would make our website more user-friendly. We also encourage companies that approve or assist people with bad credit to contact us regarding their offers.

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11801 Mississippi Ave Suite 100
Los Angeles, CA 90025

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