Rebuilding credit is a process. We invite you to read our informative guide to rebuilding credit before applying for any credit card.

Catalog Cards can also be a good first step for those who have little or no credit or for those with damaged credit and wanting to rebuild it. Fairly large fees may apply so the consumer must weigh the benefits vs. the rewards before signing up and should be ready to move on to less costly shopping alternatives as soon as their credit score warrants.

Our Assessment:
Repairing damaged credit is a process. People with a poor credit history should be prepared to pay an annual fee and a higher APR than those who have established credit. People who have been turned down for a credit card should consider a secured card as an avenue to re-establish their credit.