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Question By
chelsyleigh

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do all credit cards i apply for i have to pay for first ?
do you have to buy a credit card to get one with poor credit?

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Top Contributor
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NO, But often your limited to whats

Available to you.  Many times, when your score is low you may be offered cards that have an annual fee.  That fee in generally the first thing you are charged for when you are approved for the card.  Because these card have a fee they are willing to take the risk of opening lines of credit for those with less than desirable credit scores. 

Your best bet is to go to your local bank or credit union and do a Secured Card.  You will be asked to make a deposit into a savings account that will be the colateral for the card.  If you fail to pay the account they will take the money and close the card.  Make all the payments on time for about a year and generally they will convert the card to a regular card and release the savings account back to you.

Hope that helps.

Top Contributor
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Helpful to 0 out of 2 people

You apparently did not read the very valuable information on this site, since the purpose of Credit Karma is to teach people how credit works and how to build a good credit score. If you have a lousy credit score (and you do) and you do not have any credit cards, the only card you may be able to get is a "secured" card.  You do not buy this card, you pay a security deposit which will generally be your credit limit, and you will be charged a high interest rate because you do not have a credit history yet. How you manage this card will either open the way for 'regular' credit cards with lower interest and higher credit limits or maybe not.  Read the articles here and learn so you can become credit smart or don't.  I did and have a higher credit score now that I am retired and on a fixed income than I did all the time I worked.

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