Author: Jakob Jelling 作者：雅各布耶林
Article source: http://www.hotlib.com/ . 文章来源： http://www.hotlib.com/ 。 Used with author's permission. 用作者的许可。 Sometimes life lands you in a situation that causes your credit to suffer.有时，你生活的土地在这种情况下，导致您的信用卡受苦。 A job loss or illness can send your credit rating south leaving you with nothing to do about it.作业损失或生病可以给您的信用评级南部离开你没有任何关系的。 Some creditors may let you slide a month or two, but your records will still show a delinquency.一些债权人可以让你滑一两个月，但您的记录仍然会出现拖欠。 A stolen identity can also leave you feeling violated and unable to resume a normal life with credit.偷来的身份证也可以让你感觉受到侵犯，无法恢复正常生活与信贷。 It is during these times you may have to search a little harder to find companies that wan to deal with people who have bad credit.正是在这些时候，你可能要搜索一个小更难找到公司，处理完的人谁也信用不良。 There are a handful of lenders who will help you re-establish your creditworthiness by using one of their credit cards.有少数放款谁将帮助您重新建立您的信用用他们的一个信用卡。 The price you will pay你的价格将支付 Searching the Internet will give you a good idea of what types of credit card companies will deal with bad credit.搜索互联网将给你一个好主意何种类型的信用卡公司将处理不良贷款。 Companies like Capital One, Orchard Bank, Providian Financial and even Citibank have plans to help you get back on your feet again.这样的公司资本一，果园银行， Providian金融，甚至花旗银行的计划，以帮助您回到你的脚了。 But at what price will you have to pay?但代价是什么，你必须支付？ The price is interest.价格是利益。 Interest rates from these companies can be up to 25-30% annually.利息从这些公司可达到25-30 ％的年增长率。 So it is important to manage your money and credit more wisely.因此，重要的是要管理自己的货币和信贷更明智。 One of the many benefits of using one of these preferred lenders is that they report positively to the major credit scoring repositories.其中许多好处，使用其中的一个首选的贷款是他们的报告作出了积极重大的信用评分存放。 That means if you make timely payment it will be in your favor and will help boost your credit rating back up.这意味着，如果你及时付款，将在您的支持，将有助于提高您的信用评级备份。 The interest you pay is a small price to pay to get back on your credit worthy feet.利息支付是一个小的代价，能重新回到您的信用卡值得英尺。 The secured credit card route有担保的信用卡路线 Most of the major banks and lending institutions may seek a deposit matching mechanism called a secured credit deposit before backing a credit card for you.大多数主要银行和信贷机构可以要求存款匹配的机制称为信用卡存款担保之前，支持信用卡为您。 This card is used the same way that a normal credit card is, however the cardholder must fund it before using.此卡是采用相同的方式，一个正常的信用卡，但持卡人必须前基金使用。 If the cardholder deposits $100 into the interest bearing account their credit card is funded at 100% of their deposit.如果持卡人存款100美元的利息到其信用卡的资金在100 ％的押金。 Some credit cards can at their disposal issue double or triple matches to boost the amount the creditor can spend.有些信用卡可以在他们的处置问题，双重或三重比赛增加的数额，债权人可以花。 The deposit of $100 can return $300 in credit terms.存款100元可以返回300美元的信贷条件。 Secured credit cards also report positively to the credit agencies and will eventually become normal revolving accounts and the balances held for deposit are credited back to the cardholder's account.担保信用卡还报告了积极的信贷机构，并最终将成为正常循环账户的余额和存款举行的退回到持卡人的帐户中。 A very positive way for people with bad credit to obtain the financial vehicles they need.一个非常积极的方式与人信用不良，以获取他们的财务车辆的需要。 About The Author作者简介 Jakob Jelling is the founder of http://www.cashbazar.com .雅各布是耶林的创始人http://www.cashbazar.com 。 Visit his website for the latest on personal finance, debt elimination, budgeting, credit cards and real estate.访问他的网站获取最新的个人金融，债务消除，预算编制，信用卡和房地产。
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