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Credit Cards for Bad Credit or No Credit

When you apply for any kind of credit, the lending institution will run what’s called a “hard inquiry” or “hard pull”, which is a formal credit check that requires your approval. This check is intended to give lenders an opportunity to evaluate your reliability as a loanee, and sometimes will take a few points off your score.

While a few points here and there won’t ultimately impact your credit score, repeated attempts to secure new means of credit –– like persistently applying for credit cards that are out of your credit league –– will. Lenders think that you’re desperate for credit, which isn’t a good look for you, or your credit history.

Make sure that when you are researching credit cards, you keep in mind your personal financial history, credit score, and payment reliability, so you can select and apply for a card that makes sense for you. 

Credit Reporting/Credit Monitoring


Identity IQ Credit Monitoring

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WHY DO I NEED TO CHECK MY CREDIT SCORE? A good credit score is your passport to competitive interest rates for mortgages, cars, credit card of..

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  • Just $21.95/month after until cancelled





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NEWS & Updates

Credit Education with AMCAP Home Loans

Join Rising Point Solutions and AMCAP Home Loans (Yvonne Grayson) for our 2-hour CE Course on Cr..

Credit Education with Guild Mortgage

Join us on February 19th from 11:00am - 1:30pm for Credit Education for Realtors with Guild Mort..

Credit Education with The Morine Group

Rising Point Solutions is excited to be hosting our Credit Education for Realtors for The Morine..

RPSMixers Event - Fort Worth

Join us on January 17th from 5:30pm - 7:30pm at Blue Mesa Grill in Fort Worth. Enjoy free drinks..

NEW Insurance Referral Program

Introducing our NEW Insurance Referral Program! ..

Happy New Year!

Rising Point Solutions will be closed Tuesday, January 1st. We wish you and your family a very happy..

Happy Holidays!

Rising Point Solutions will be closed Monday, December 24th and reopening Wednesday, December 26th. ..
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Disclaimer: Improvement of your credit score and/or particular results vary per client. We cannot guarantee any results or improvement as stated in our Guarantee Disclaimer. Following our best results practices and educational consulting, we do typically see improvement in credit scores.