What’s the best credit card that I can be approved for with my bad credit and one that would help improve it?
A year ago this month I had paid off all my debt of a total of $ 7,000. Bankruptcy wawasn’t filed. I did settle with the creditors just to pay it all off. It was the lack of knowledge. My credit score has jumped up significantly in the last 4 months but I am still considered a “high risk” consumer by a few points. I bring in a healthy amount of income monthly and need to improve my score for future purchases. I would rather stay away from making a down payment in order to get a credit card but will do it if needed. In my situation what would you suggest? Also, how will the economic disaster affect me in this situation?