I have bad credit but I recently paid off my car that I have been paying on for three years, I was only late?

a few times is there any chances on my being able to get a credit card or should I wait to apply

Pick up a copy of Money magazine and invest in any of the consumer credit courses you'll find listed in the classified section.

wait a few months before you apply. Orchard Bank is a good one for bad credit, Salute is to

I don't see why not if that's the only bad credit you had. Unlike me, I have bad credit alright but I don't want a loan anymore or anything on credit. I am better off saving my money first, just like you would for a holiday. Interest are so high and when you miss one payment they get all mad at you.

This all depends on the "bad credit" that you have. What do you mean by bad credit? Just because you missed a few payments or are there other issues?

If you consider missing a few payments on a loan that is now paid off bad credit then you are better off than you may think.

1) I would wait a few months for the credit reports to update saying that the loan in paid in full before applying for anything. Some creditors take anywhere from 30 - 90 days to report to the credit agencies.
2) Start off with a credit card that offers a small limit, this way you don't build too much debt and can afford the monthly payments.
3) You can also try a secured credit card. You supply your own money creating your limit and these cards report to the credit reporting agencies.

These are great ways to build better credit if you feel you have bad credit. I hope this helps.

A Credit card for people with bad credit is a form of borrowing that often involves charges. So it's wise to compare terms and fees before you agree to open a credit or charge card account. Try looking for a credit card<!--with a low APR. Find out the APR because this is the amount charged to you on monthly balances.

http://best-loans.awardspace.com/credit-...

Are you overwhelmed with credit card offers and don鈥檛 know which one is right for you? Tired of looking for a credit card? Chances are you have received your share of credit card solicitations. Not sure-->which credit cards you should apply for? Shop around because not all credit cards for people with bad credit are created equal.