The interest rate charged on a loan, credit card, or mortgage over a year's time
The fee charged annually by a credit card company to its cardholders. This amount is added to the cardholder's statement.
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.
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.
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.
Our team continuously monitors the market in order to bring you the best cards, reviews and offers available online. When assessing the best cards for our customers, we evaluate all the fine print for each card, and then, we review and compare the best credit card offers for you. Once you have found the card that best suits your needs, you will be forwarded to the issuers site, where all applications are secure. The entire process at BadCreditOffers.com is quick and easy. We take the hassle out of it for you. Our goal is to provide the best resources so our customers can search, compare and apply for the best offers available.
You don't need perfect credit for a First PREMIER® Bank Secured Credit Card
If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply.‡
‡ If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
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