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Unsecured credit cards are a great way to restore bad credit, usually taking about a year until you are able to apply for an unsecured card.Consumer reaction to the incentive program seems to be quite favorable. Even those who don’t carry a balance need to know their interest rate because emergencies do happen. Annual Fee- An annual yearly fee associated with having a credit card. Because of several factors, some people will not qualify for an unsecured credit card.That's a lot of credit card debt you've got there. Too many inquiries equals a lowering of your credit score, often knocking 5 points off your FICO score. It's hard to shock Judge John C. They falsely claimed that they had a computer disk that could free a person’s credit report from notations of late payments, foreclosures, bankruptcies. Only be doing a little home work and shopping around will you be giving yourself the best chance to find the card offers you the best deals. However, that zero liability is only a policy on debit cards and therefore subject to review by the card issuer. Protect sales receipts which may contain account numbers. One word of caution though, some credit card companies regard transfers as payments for outstanding amounts, while others may require a different process for balance transfers. A seller should make sure that each of these dates can be met. Using this secured card appropriately and within the set parameters will help rebuild your credit and qualify you for an unsecured card.If you’re thinking about a credit card, but don’t want the hassle or the worry of a traditional unsecured card.