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<h2>Best Credit Cards for Low Credit Score</h2>

<p style="text-align:justify">One product that has significantly transformed how we handle financial transactions is the credit card. These cards, often called &quot;plastic money,&quot; enable individuals to make purchases and pay for them later. Introduced in the 1950s, credit cards are now widely used worldwide.</p>

<p style="text-align:justify">People can essentially access small loans through their credit cards by simply swiping them. Customers can use their credit cards to make purchases on credit with the expectation of repaying the amount in the upcoming billing cycle. In addition to this convenience, credit card issuers offer various benefits, such as rewards points, AirMiles, and discounts, to incentivize card usage.</p>

<p style="text-align:justify">However, it is crucial to use credit cards responsibly, as mismanagement can lead to a cycle of debt. Cardholders are advised to pay their entire bill in full to prevent accumulating debt over time. Failing to pay the full balance within the billing cycle will result in applied interest charges and negatively impact the CIBIL score.</p>

<p style="text-align:justify">Alternatively, individuals can pay the minimum amount due and carry forward the remaining balance. However, this approach is also discouraged as it can lead to mounting interest charges and a potential debt trap.</p>

<h3>Eligibility Requirements for Credit Cards</h3>

<p style="text-align:justify">While credit cards offer numerous advantages, not everyone can easily obtain them. Financial institutions and banks have specific eligibility criteria that applicants must meet. Some common factors include:</p>

<p>1.<strong> Age: </strong>Typically, individuals over 21 can apply for credit cards unless otherwise specified. However, in certain cases, anyone aged 18 and above can get an add-on card.&nbsp;</p>

<p style="text-align:justify">2. <strong>Income: </strong>One of the most important factors credit card providers consider is the applicant&#39;s income. As long as individuals can demonstrate their ability to afford the credit card and meet the payment obligations, they can obtain their <a href="https://www.mastercard.us/credit-type/bad-credit/" target="_blank">desired credit card</a>.</p>

<p>3. <strong>Location: </strong>Certain credit cards offer location-specific benefits and perks, typically limited to Tier-I cities. Therefore, an individual&#39;s location can affect their eligibility for specific credit cards.</p>

<p style="text-align:justify">4. <strong>Credit Score:</strong> Besides income, good credit scores are paramount to banks and financial institutions. A good credit score makes it easier for individuals to obtain their preferred credit cards. Credit scores reflect an individual&#39;s creditworthiness and are based on credit reports detailing <em><strong>credit history</strong></em>, loan repayments, and other related information. CIBIL offers the credit score that is most frequently used in India.</p>

<h2>Understanding Credit Scores</h2>

<p>Before delving into credit cards and their features, applicants need to understand the concept of credit scores. Credit scores are the three-digit numerical representation of your credit health. It ranges from 300-900, where 300 is the lowest and considered the least representation of creditworthiness.</p>

<p>Higher scores, typically above 700, are considered good, while scores below 450 are considered poor. Lenders, banks, and financial institutions use credit scores to assess the risk of loan repayment and credit card bills.&nbsp;</p>

<p>Higher scores indicate lower risk, often resulting in easier access to loans and credit cards with better terms.</p>

<h3>Advantages of a Good Credit Score</h3>

<p>Having a high credit score offers several advantages. The primary ones are as follows:</p>

<ul>
	<li>Individuals with scores above 700 can easily obtain their desired credit cards, provided they meet the income requirements.&nbsp;</li>
	<li>Moreover, individuals with good credit scores enjoy lower interest rates and better deals when applying for loans.&nbsp;</li>
	<li>A high credit score also allows individuals to get a high amount of loans at a better tenure.</li>
	<li>A good credit score indicates a history of responsible repayment behaviour and prompts lenders to prioritise such individuals over those with lower scores.</li>
</ul>

<h3>Causes of a Poor Credit Score</h3>

<p>Some individuals struggle to maintain a good credit score due to various reasons. The most common reasons for having a poor credit score are as follows:</p>

<p>1.<strong> Delayed Payments:</strong> Late bill payments negatively <em><strong>impact credit scores</strong></em>, as credit history plays a significant role in determining the score.</p>

<p>2. <strong>Defaulting on Payments:</strong> Failing to make payments and subsequently having them charged off by the credit card provider worsens the credit score.</p>

<p>3. <strong>Foreclosure:</strong> Foreclosure has a similar detrimental effect on credit scores as loan defaults.</p>

<p>4. <strong>Bankruptcy:</strong> Filing for bankruptcy severely harms an individual&#39;s credit score and makes it challenging to recover creditworthiness.</p>

<p>Cardholders should avoid these actions to maintain a credit score above 700.</p>

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<h2>Credit Cards for Bad Credit Scores</h2>

<p style="text-align:justify">Despite having a poor credit score, some individuals still wish to obtain credit cards. Although they may not qualify for their desired credit cards, options are available.</p>

<p style="text-align:justify">The best option for individuals with poor credit scores is to apply for a <em><strong>secured credit card</strong></em>. Collateral, like a fixed deposit, serves as the security for these credit cards. For example, if an individual has a fixed deposit of Rs. 30,000, then the credit limit for the credit card would be set lower than the FD value. It can be anywhere between 75-90% (say between 22500-27000), depending on the discretion of the bank you are applying to.&nbsp;</p>

<p style="text-align:justify">Secured credit cards can help customers rebuild their credit scores, making applying for <em><strong>other credit cards</strong></em> easier. Additionally, secured credit cards generally do not require proof of income, simplifying the application process for individuals with poor credit scores.</p>

<p>These secured credit cards offer benefits such as reward points, fuel surcharge waivers, and other perks, but specific features may vary between banks. Some banks that provide secured credit cards include <strong>Axis Bank&#39;s Insta Easy Credit Card</strong> and SBI&#39;s Advantage Plus Credit Card.</p>

<p>Although having a poor credit score is not advantageous, individuals can use secured credit cards to rebuild their credit and improve their credit scores over time.</p>

<h2>Conclusion</h2>

<p>In conclusion, while a low credit score may limit your options for obtaining a traditional credit card, it doesn&rsquo;t mean you&rsquo;re entirely without options. Secured credit cards, which require collateral like a fixed deposit, offer a viable solution for individuals with poor credit scores. These cards not only provide the convenience and benefits of a credit card but also help in rebuilding your credit score through responsible usage.</p>

<p>Banks like Axis Bank and SBI offer secured credit cards that come with reward points, fuel surcharge waivers, and other perks, making them an excellent choice for those looking to improve their creditworthiness. By making timely payments and keeping your balance low, you can gradually rebuild your credit score, paving the way for better financial opportunities in the future.</p>

<p>Ultimately, while a low credit score presents challenges, it&rsquo;s important to view it as an opportunity to demonstrate financial responsibility and work towards improving your credit health. With patience and careful management, you can regain your financial footing and qualify for more favorable credit options down the road.</p>

<h2>FAQs for Bad Credit Score Credit Card</h2>

<h3>Can I get an unsecured credit card with a credit score below 500?</h3>

<p>While some credit card companies may offer unsecured credit cards to individuals with credit scores below 500, they often come with high fees and high-interest rates.</p>

<h3>What is a secured credit card?</h3>

<p>A secured credit card is a type of credit card that requires a cash deposit as collateral, which is used as security by the cardholder.</p>

<h3>How can I improve my poor credit score?</h3>

<p>Improving a poor credit score requires time and patience. To increase your credit score, practice habits such as paying credit card bills on time, monitoring your credit utilization ratio, and avoiding simultaneous applications for multiple credit cards and loans.</p>

<h3>Which banks provide credit cards for individuals with bad credit in India?</h3>

<p>Several banks in India offer secured credit cards for individuals with bad credit. Some examples include the Bank of Baroda, State Bank of India (SBI), HDFC Bank, Axis Bank, and Kotak Mahindra Bank.</p>

<h3>How can I easily get a credit card with bad credit?</h3>

<p>The easiest options to get a credit card with bad credit are student cards, secured credit cards, and credit builder cards.</p>

<h3>Can I get a credit card with a credit score 550?</h3>

<p>Obtaining a credit card with a credit score below 550 is challenging. However, individuals may still apply for secured credit cards offered by their primary banks, albeit with higher interest rates or fees.</p>

<h3>What can cause a bad credit score?</h3>

<p>A bad credit score can result from instances such as late payments, payment defaults, foreclosure, and bankruptcy, which negatively impact an individual&#39;s credit history and creditworthiness.</p>

<h3>What is considered a bad credit score?</h3>

<p>A credit score below 600 is generally considered a bad or poor credit score. It indicates poor credit management.</p>

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