| When your credit is good, the credit card offers pour | | | | be upwards of 18% so unless you are certain you can |
| in. You can scarcely go to your mailbox without seeing | | | | pay of the balance of your card each month or only |
| a credit card advertisement promising low interest | | | | plan to use it for emergencies, you may want to |
| rates, airline miles, or even cash back. But if you have | | | | consider if this is an expense you can afford. |
| less than perfect credit, you may never get one of | | | | Those with low credit will also have a lower available |
| these advertisements. So, how do you get a credit | | | | credit line. But with some responsible card usage, you |
| card for your emergency needs? | | | | may be offered a higher credit limit and lower interest |
| With the economic decline, thousands and thousands | | | | rate within a year of being a cardholder. Some lenders |
| of people have fallen behind on their payments. | | | | are willing to offer you a credit card, but they require |
| Because of this lenders are approaching potential | | | | you to pay an annual or semi-annual fee. Again, |
| customers more cautiously than ever. But that doesn't | | | | depending on your anticipated card usage you will |
| mean you won't be able to get a credit card, you just | | | | need to decide if this is feasible for you. |
| may need to be a little more flexible with your | | | | The best way to determine your eligibility for credit is |
| expectations. | | | | to review your credit report. You will want to make |
| Since a low credit score means that lenders are taking | | | | sure it doesn't contain any errors that negatively affect |
| more of a risk by offering you a line of credit, there | | | | your credit score. Armed with this knowledge you can |
| are some concessions that they may make. You will | | | | begin to hunt for the right program to meet your |
| probably need to pay a higher interest rate. This can | | | | needs. |