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When your credit score is just not good enough to get you any good rates, it’s usually a sign that you need to do something about it. Fixing your credit is a rewarding process, especially when you are approved for very low APR rates. But getting there is not always easy. One of the first steps that you could make should include getting guaranteed unsecured credit cards. As you can imagine, with your poor credit score, you will be turned down for a credit card the moment your application is processed. But that is when you are going for the mainstream credit cards.

For people with bad credit, getting unsecured credit cards is usually a long shot, especially if you want one with high limits. That is a benefit that comes with a secured credit card. For unsecured ones, you have lower limits, which are easy for you to handle. Low limit in this case could be $300. It’s not exactly a lot since you can’t make any major purchases with it. All you can use it for is paying for groceries, buying gas, books and other inexpensive items.

To get a guaranteed unsecured credit card, it involves a little more than simply requesting for one. One of the things you need to do is understand your debt to income ration. Chances are you have mortgage payments to make, bills to pay and other personal financial obligations you have to meet. But even with all that commitment, you still need to have something left to clear off the credit card payments for the card you are about to apply for. When your income to debt ratio is almost balanced, you will have a harder time getting approved since you are unconvincing when it comes to your repayment capabilities.

Whenever you are applying for guaranteed unsecured credit cards, it always helps when you understand the criteria of the institution you are applying from. This will help you establish beforehand whether you qualify. You can get the information online, if there is an accompanying website, or you can call customer care and forward your queries. When applying for the credit card, it’s always best to start with institutions you have interacted with before, like your local bank, or credit union. A previous or existing relationship can give you the edge you need to qualify for the guaranteed unsecured credit card you so desperately seek.