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Typically financial institutions will have credit card offers that are geared towards students or first time credit users.
Here is a link to some of there options they are currently provided that are suitable for establishing credit and maintaining low balances: for 16 months on balance transfers ▪ Cash Advance Rate of 21.74% p.a.
The provider can use this amount as collateral in case the borrower defaults on the payments.
In Canada, for example there are a variety of Secured Credit Card options.
The Secured Credit Card offer also provided by the CIBC, also serves borrowers who are looking to either build or re-establish their credit.All of these cards typically also carry higher interest fees and lower credit limits.While the steep interest rates are less than ideal – having a card with a lower limit can mean that you are less likely to overspend and therefore can be better equipped to manage the repayment schedule.Secured/Guaranteed Credit Cards Although at this time, Secured cards are unavailable in this part of the world, there are cards that are similar to the secured card. Both of these cards offer an easier approval rate, which typically does not require a credit check.These cards however do require proof of sufficient property equity and assets or in the case of the secured cards, a deposit that is equal to the sum of money you are ‘borrowing’ or higher.
If you are currently living with bad credit, yet still require additional credit, it is important to know what your options are.