Advantage | Bad Credit Lender Review

WhoMe? asked:

Over the past several months, YA has been a huge help to me in fixing major credit problems I have had. I have been working very hard at dealing with creditors on old in-collection debts. Now that I’m almost done with paying them off, I get a “Pre-Approved” credit card offer in the mail from First Premier Bank, which specializes in people with “less than perfect credit.” Because I’m older, my fear has been that it will be incredibly hard for me to get credit again, so I’m curious if this would be good or bad for me to take advantage of. It definitely says that I am “Pre-Approved”, so should I go ahead and get this card so I can use it to begin rebuilding my credit rating? I wouldn’t bother with it at all, except for the words “Pre-Approved”. NO, I do NOT want to go out and start charging – I just want to be able to have it to rebuild my credit rating. There are some fees tacked onto it, but I thought I would send this question out there to see what people’s thoughts are. Thanks
I waited too long and missed the opportunity to choose my own “Best Answer”, so I’m voting now for “Financing_Loans”. If you see this, thank you (and everyone else for that matter) for your very knowledgeable and well thought-out answers. I appreciate it very much!

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Tags: Advantage, Approved Credit Card, Credit Card Offer, Credit Rating, Fear, People, Perfect Credit, Pre Approved Credit Card, Rebuild Credit, Rebuild My Credit

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Another question about trying to fix my credit. Would appreciate knowledgeable answers?

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