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Financial Assistance

 

 

Lots of people believe their bad credit means there's no options for financial help - this is untrue! Depending on your credit score you have multiple alternatives, from government and private programs that provide access to monetary, loan, grant, and insurance options.

Remember - when you put effort into making your minimum payments and keeping your revolving balances at a reasonable level, then you create opportunities for yourself.

Government Benefits can include:

Benefits and Financial Assistance from the Government.

How to Apply for Unemployment Benefits.

Food Stamps (SNAP Food Benefits)

Welfare or Temporary Assistance for Needy Families (TANF)

Medicaid and Children's Health Insurance Program (CHIP)

How to Get Survivor Benefits from the Government.

Private company options are also available, including credit cards, loans, and insurance benefits. The easiest credit cards to get approved for with no credit or bad credit are secured credit cards. These cards have annual fees as low as $0 and report monthly to the 3 major credit bureaus. Some even give rewards of 1% or more. To help people with no credit or bad credit maximize their odds of approval for a credit card, editors compared the approval requirements for more than 1,500 credit card offers, along with their fees, rates, and rewards.

It is also important to consider your spending habits when selecting a credit cards and other financial assistance options. For example, if you frequently shop at a certain retailer or use a certain service, you may want to consider a credit card that provides cash back or rewards points for those purchases. Similarly, if you dine out often, a credit card that offers rewards for dining may be a good fit. On the other hand, if you tend to carry a balance on your credit card, you may want to prioritize finding a card with a low interest rate.

It is important to be aware of the terms and conditions of any credit card you are considering. Read the fine print and make sure you understand any fees, penalties, or restrictions associated with the card. For example, some cards may have high foreign transaction fees, which can be costly if you travel internationally frequently. Other cards may have restrictions on redeeming rewards points or cash back.

In summary, when selecting a credit card, it is important to consider your spending habits, financial situation, and the specific features and benefits of each card. It is also important to understand the potential impact on your credit score and to carefully review the terms and conditions before applying for a new credit card.

For the government programs, there are certain requirements to meet in order to access the financial help on offer, and this can vary by State. Affordable rental housing, financial aid for students, and help with bills are all alternative the Government may support you with.