How to Get a Credit Card (Traditional vs. Subprime)

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Nowadays, it's hard to imagine life without credit cards. It seems like credit cards are accepted just about anywhere. We're taught that credit cards are a great way to establish and build your credit. But, with the economy tanking, credit cards are becoming less about convenience or building credit and more about meeting monthly bills. Nearly everyone has been financially impacted by the recession in one form or another. Whether your paycheck is big or small, credit good or bad- chances are you'll find yourself applying for one of those shiny plastic cards.

Credit cards can be broken down into two subcategories: traditional and subprime. A subprime credit card is designed for individuals with poor credit history, low income, and/or high debts. In contrast, a traditional credit card is targeted for individuals with a history of paying bills on time, stable income, and minimal debt.

How to Get a Subprime Credit Card:

First, check with the bank you have a checking or savings account with. They are more apt to consider your application than a different bank because they have a vested interest in keeping you as a customer.

The next place to check with is your local credit union. Credit unions are typically a little more lenient than a bank would be. However, be aware that even a credit union may deny your application or require a co-signer.

If having a co-signer isn't an option for you, the best bet is to apply online with a multiple lender service. Multiple-lender services work with hundreds of lenders who compete to offer you credit at the best rates available. Even applicants with ideal credit history and great income may find the best offers through a multiple-lender service.

How to Get a Traditional Credit Card:

Similar to above, the first place to apply to is the bank you have a checking or savings account with. Generally, this will be your best bet, but as a rule- it's always smart to shop around

Credit unions are also a good place to check with, they may be able to offer a better interest rate than your bank.

Even with great credit, you shouldn't rule out multiple-lender services. With access to so many lenders, they offer competitive rates.

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