When you are stuck with a bad credit history, it naturally feels like you are stuck at accepting any term that the credit card offers. It is true that your choices become highly limited when the card issuer sees that you are at risk because of the bad credit history, but that is not where the story ends. You still have a choice to start rebuilding the credit, and that does not involve the payment of extravagant fees. You need to keep in mind some of the factors while you move forward to get a credit card for bad credit.
The ability of the credit card to fix the bad credit
The worst case scenario is when you avail a credit card and do everything responsibly only to find out that it did not have any effect on improving your credit history. In such a situation, a good credit card cannot really help in the improvement of your credit score. So, you need to avail the services of an issuer who is going to report your activities to all the necessary credit bureaus. You build credit files with multiple credit bureaus, and the issuer should have the facility to report to all of those authorities.
The experts feel that it is better to go for secured credit cards over the prepaid ones. This applies to the people who are trying to rebuild their credit history. The only difference between a secure credit card from the regular credit card is that it needs you to keep cash deposit. It is a simple system where the money is borrowed and paid back leading to subsequent reporting to the authorities.
Some of the best tools for planning your credit card bill payment are:
- Due
If you have a procrastinating nature and often end up forgetting to pay your bills, then this is the perfect choice of app for you. The Due app will keep on nagging you with its reminders until you pay your due bills. The primary feature of this app is to reminds its users with its reminders that they have set. Unfortunately, this app is not yet supported on all platforms. You can find this app only on iOS.
- Stripe
If you are looking for a simple payment app, then no other app can do better than Stripe. It has been one of the best apps for making your payment automatically on time. And apart from making credit card payments, this app can be used for making a payment on plenty of other platforms. The main aim of this app is to empower and enhance internet business.
- Dwolla
A former P2P money transfer platform has evolved itself into a white label bank transfer platform over the years. Unlike PayPal, Square or the other third-party apps, Dwolla is neither a third-party app nor a merchant account provider, so it has a different set of terms and obligations of contract than the rest of these apps.
- Apple Pay
When it comes to trustworthiness, Apple remains the first choice amongst all. This payment facility from Apple is a cardless or cashless transaction method where one can connect their bank accounts for making automatic payments. It has an ultimate level of security for providing its customers with the utmost convenience.
- Payoneer
Headquartered in New York, Payoneer is an American based company which was established for providing online payment transfers to its clients. The app has more than millions of active users, and it provides its services to more than 200 countries. The app can process cross-border currencies and can transact in more than 150 currencies. These five apps are one of the best choices for the people who are looking forward to regulating their credit card bill payment.
These five apps are one of the best choices for the people who are looking forward to regulating their credit card bill payment. To know more about some other very useful apps to pay your credit card bill you can follow the below link
![Wendy's secret menu [Updated in January 2024]](https://przemekspider.com/wp-content/uploads/2024/01/How-4chan-ended-2022-after-years-of-controversy-and-turmoil-2.jpg)