Secured credit cards, a review
The least charming facet of credit cards for bad credit is the high interest rate that almost inevitably comes with them. However, you are not stuck with a high interest rate for life. Whether you have credit cards for bad credit, student cards, store cards, or any other types of credit card that have ridiculously high rates, here is how you can negotiate better credit card terms. First, try phoning your credit card company and simply requesting that they lower your interest rate. A national survey found that 56 percent of the time, credit card companies offered lower rates to customers as an incentive to not switch credit card companies if the customers telephoned to say that they had gotten a better offer and were planning to leave.