What is a bad credit credit card? Use it to rebuild your credit.

Banks are not stupid. They know that a lot of people out there need help with their credit. In their attempt to be helpful, they have developed the "bad credit" credit card. There are three types of these cards and each can be used for different consumer needs.

Student Debt: The Bad and the Ugly

I remember the days when I would walk into the cafeteria on campus and pass tables set up baiting me and all of my college cohorts for all types of free gifts if we would apply for a credit card. With so many opportunities it is bound to happen, apply for a card, get the free gift, get the card, and instead of throwing it away like you told your buddy, you kept card. Then you used it, more than once and pretty soon, you had a lot of student debt. Sound familiar?