J1 visa and the bad credit
There are many reasons why bad credit would mean that one couldn't get a Visa credit card. The biggest reason why one would have trouble getting a credit card with bad credit would be that one has proven that they cannot pay off their debts in the past.
No I have really bad credit. I mean credit cards that have not been paid for years and I was given a passport.
Yes, there are Visa credit cards available for people with bad or no credit. They have interest rates around 20% and usually require that you put down a cash deposit to secure the card.
Visa offers a few options for people who have bad credit or no credit. Some potential options include the Platinum Zero Secured Visa, the Open Sky Secured Visa, and the Vision Premier Prepaid Visa card.
that is a bad thing
No unfortunately but they do offer help with getting a Home Trust Secure Visa which will rebuild your credit an make you more eligible for a personal loan.
People with bad credit can use pre-paid Visa cards since these do not require good credit or credit checks. Anyone can load money on to them and once it's used up they can't spend any more money.
One may obtain a secured Visa credit card direct from the US Bank. A secured Visa credit card is suitable for people who have bad credit scores and are looking to obtain credit while preventing their score from being further damaged.
It depends on who you are dealing with. Visa for instance has your number no matter where you go.
Check out this article about getting a motgage with bad credit... http://www.finweb.com/mortgage/need-a-mortgage-but-have-bad-credit.html You can learn more about getting a mortgage with bad credit, by visiting www.fha.gov, www.hud.gov, and www.mortgageloansbadcredit.com.
Many banks realise that building up your credit is important part of their business. RBC, TD,and Visa USA all offer these kind of cards. Generally, they appear to be a prepaid Visa. This allow you to have a card with no risk to them. The benefit is that you can start rebuilding your credit.
Some of the advantages of having a VISA prepaid credit card are: one cannot spend money that they do not have available on the card (no overspending), one does not need a bank account to be able to purchase items with this prepaid card, and one can still get a VISA prepaid card with bad credit.