According to the popular “wisdom,” it’s hard to get anyone to loan you so much as 2c when you have bad credit.

Fortunately, if you indeed have bad credit, the popular “wisdom” is, as usual, not so wise. There are all kinds of lenders willing to touch risky credit profiles. It’s even possible to get credit cards soon after declaring bankruptcy!

At BadCreditOffers.com, they have information on many of these sub-prime lenders, categorized by type. Want a bad credit credit card? They list several. Some of the credit-card lenders there are better than others…be sure to check the terms and not just the interest rate.

How about getting a new car–without having to deal with some sleazy sub-prime lot in the inner city? Now you can! Apply online for a bad credit car loan, get the money, and then deal with some place that doesn’t make you want to run away screaming!

Of course, there are also home loan quotes available through BadCreditOffers, as well as a way to check and monitor your credit report. Monitoring your credit report can be important when trying to rebuild credit, since sometimes you have to bug these reporting places to get them to stop reporting expired bad events.

All in all, BadCreditOffers looks like a very good one-stop site for finding creditors willing to deal with everyone–even those with bad credit or bankruptcy!

I found an article which does a good job of dissecting the traps hidden in Credit Card Terms.

This article isn’t some rant about how they all are crooks, blah blah blah…they actually go into detail about all the trickery and show screenshots that highlight just which part of the “offer” is responsible for biting you on the butt when the bills come.

I’ve had cards for years, and still I wasn’t aware of some of the worst traps. For instance, take the term “fixed APR.” You’d think that it’d work like a mortgage, right? WRONG! It just means that it doen’t follow an index. The credit card company can actually change the APR–they just have to warn you first! It’s like the difference between doing something manually as opposed to automatically.

Unbelievable? Believe it. They have pictures of the Agreement.

Membership fees are blasted, too. Did you know there’s a place that charges $2500 a year just to carry their “Black” card?! Even though the article doesn’t say so, I bet it’s American Express. That’s the place that has a Black card for 6-figure spenders…and members egotistical enough to cough up that kind of a membership fee!

If you’re sick of playing credit-card roulette, consider credit counseling from CareOneCredit. Care One’s the company who wrote the article. Looks like they’re up on the tricks!