Friday, June 26, 2009

Yes! You Can Use Credit Cards To Rebuild Credit

By Mike Perkins

You may not believe it but you can use credit cards to rebuild credit after bankruptcy. The last thing you want to do right now is get discouraged about your situation. The reality is that it could happen to anyone. I'd like to talk to you now about using credit cards to rebuild credit.

The Good News

The good news is that your credit future has not come to an end. You can regain the same life you had before bankruptcy. Positivity is a must if you want to start moving forward. Nobody likes to start over with their credit but at least you are given the opportunity.

Building Trust

You will find that there are credit companies that will be willing to lend to you after bankruptcy. If your going to use credit cards to rebuild credit you can expect to pay high-interest on the money you borrow. You only want to establish trust by making regular on time payments.

Responsibility And Restraint

The idea is that you will be paying off your debt in full every month. The credit lender will be looking at your ability to exercise restraint and responsibility. Let the lenders know that you have made some real changes.

Another Option

Another option that can be used is to apply for a secure credit card. A secure credit card is often secured using a savings account. The funds may be claimed by the lender in the event that you default on your payments. This allows the creditor the ability to take on riskier applicants.

Be Patient

It might not happen as fast as you like but what's important is that it's possible to use credit cards to rebuild credit. Learn from your experience and make sure that you don't make the same mistakes twice. Be patient and persistent and your credit will improve the longer you stick to your plan. - 20767

About the Author:

0 comments: