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How sub prime credit cards can be used to repair a bad credit score. They will report monthly and can be used to create a positive payment history on your credit report.

These credit cards have been designed to give you a second chance with
your credit. It is for those with a low or damaged credit score.

They can be used to improve a low credit score. This is because it can
create a positive payment history and improve your ratio of available
credit to debt.

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Some banks are eliminating the standard 25 or 30-day grace period within which you may pay your bill within being charged interest. This is the normal grace period before interest kicks in. But this is slowly changing. For example, some banks are offering extremely low fixed rates, but without a grace period. These cards will charge you interest from the date it processes your charge slip.

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