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Types of credit cards you can get with a poor credit score

  • Highlights

  • Opt for a secured credit card to build your credit score

  • High-fee credit cards can serve as a stopgap solution

  • Approach your bank for easier credit card approval

  • Use a pre-approved SuperCard offer and apply online

With the cost of living increasing day by day, it is difficult to save more than you spend. Fortunately, you can use credit cards to bridge any gaps. That said, it is vital to have a healthy credit score to be able to get a credit card, as a poor score indicates that you aren’t creditworthy and may not be able to repay the amount on time.

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When you have a low credit score, typically, you can’t get approval for a regular credit card, but there are other ways in which you can obtain credit. It is important to note that credit cards for bad credit score applicants will not offer the same perks or benefits as a regular credit card. Oftentimes, the credit limit is also lower. On the bright side, you can use this as a tool to build your credit score over time. Additionally, before you apply for a credit card with a bad credit score, you should be able to prove that you can repay the amount comfortably. Failing to do so further lowers your chances of approval.

Additional Read: Tips to reduce your credit card interest payments

Wondering what are the credit cards for people with a bad credit score? Take a look at the 3 main alternatives to a regular credit card.

Secured credit cards

Credit cards are an unsecured form of credit. This means that issuers grant you a limit based on your creditworthiness alone. Most financial institutions will not approve you for a credit card if your score is too low. Also there are many websites available where you can check your credit score. This is because you pose the risk of non-payment and there is no way the issuer can secure its interests.

However, with a secured credit card, you can pledge a high-value asset such as an investment as collateral. Based on its value, you’ll be assigned a credit limit.

Additional Read: Credit card against fd

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This secured variant is the best credit card for bad credit score individuals as it serves as an efficient way to build your score. You can slowly transition to an unsecured form of borrowing by making consistent repayments.

Shopping online made easy with the SuperCard

Credit card issued by your primary bank

Your bank will offer you a free credit card and in most cases, this is a good way to get started with using credit. These offers are especially beneficial if you’re young, have never handled debt and thus, have no score to begin with. Also, your primary bank may approve a credit card application if you’ve been a long-term customer, as they have a better understanding of your finances and risk profile.

High-fee unsecured credit card

If you’re truly in dire need of a credit card, a quick fix is to look for an issuer that offers you the card without the need for a high credit score. These credit cards do not require any deposit, but levy a high maintenance fees in exchange for the facility. It is advisable that you use these cards to build a healthy credit score of 750 or more and then transition to a more suitable credit card.

Additional Read: How You Can Use a Credit Card to Improve Your Credit Score

As you’ll notice, the options for credit cards for poor credit score individuals are limited and in most cases unfavourable. However, even in this situation it is imperative to scout the market for the best offer. Consider looking at pre-approved offers to see if you are eligible for a top credit card. Reputed lenders like Bajaj Finserv allow you to check your pre-approved offer to know your customised credit card offering. Furthermore, you can gain instant approval for the Bajaj Finserv RBL Bank SuperCard without any added hassles. You can use the SuperCard to meet any and all needs comfortably and affordably. You can also take a 90-day interest-free emergency loan basis the available credit limit, a feature that’s handy during a cash crunch. It is also an affordable option as it has nominal joining and annual fees. Best of all, the SuperCard is efficient for tackling big-ticket purchases as it lets you split any purchase over Rs.3,000 into easy EMIs.

Simply submit your name and contact number, choose a pre-approved offer and apply for expedited access to a credit card.

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