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Let's get one thing straight: A prepaid card will not rebuild your credit or improve your score.
That includes even Suze Orman's The Approved Card, despite the fact that Orman recently launched a "credit project" in which her company shares information about card users' spending habits with Trans Union.
The shopping cart trick, also known as the soft pull trick, is a clever method that allows people with bad credit to get a credit card.
The shopping cart trick relies on the fact that many websites will pre-approve you for a credit card during the checkout process without actually checking your score.
Some credit cards are even designed to help those with bad credit to improve their credit rating, helping open the door to a whole range of other financial products they may not have otherwise been eligible for.
Long gone are the days of simply using a credit card to buy goods and services.
These ongoing charges can cut into your budget, leaving you less money to pay your light bill or to purchase that cute summer dress.If dipping your toe into the credit card pool is about funding a specific purchase, you need a card offering the longest 0% interest period on new purchases, giving you the longest time to pay off those expensive one-offs.As long as the balance is paid off by the end of the period, these cards stack up against the best of the interest free finance or purchase loans you’d find on the high street - from furniture or electrical retailers for example.consider them the devil’s best weapon in driving you into insurmountable debt (indeed around 18m people received a default notice on their credit card bill last year), used properly, they could help manage your finances better thanks to interest free periods and balance transfer offers that operate like an interest free loan as long as you play by the rules.Meanwhile, buying something with a credit card can afford you more protection than buying using a debit card or cash.This means you can get a card without a “hard pull” (which damages your score) and also means you can still get a card with bad credit.