Friday, November 20, 2009

When you hear the words bad credit gas card, it might be enough to keep you awake at nights. After all, there's nothing like a headache coupled with an ulcer to make your life more difficult. You might think you're out of luck when it comes to getting a gas card. But fortunately, there are more options than you might think.

Beware of bad cards

Be warned: a lot of really bad credit cards exist out there just itching to take advantage of your situation. You can learn more about them here. Those are cards you need to avoid at any cost, because they are not going to make your life easier. A lousy bad credit gas card might seem like a blessing at the time, but when you read the fine print, you see nothing but trouble.

So how can you get a gas card if your credit isn't exactly shining? First of all, you need to know that many gas cards have less stringent credit requirements than their competitors. Look into it before you apply and you may be pleasantly surprised: if all your credit needs is a bit of spit and polish, you may be eligible for your card of choice after all.

Why a gas card?

A gas credit card can lower the cost of your daily driving which, in this economic climate, is pretty significant. So when you're making choices, consider the following:

-- Is it realistic to apply for this card? The Internet is a great boon here: it will help you find a bad credit gas card that meets your needs.

-- Will this card end up costing you in the long run? In other words, is there an annual fee or high interest rate that will offset your savings?

-- Are there convenient locations where you can use this card?

And above all, remember that once you're approved for a bad credit gas card, you're going to have to set about repairing that credit history one day at a time!