Looking for a good credit card but your FICO score is too low? You can still be approved for a MasterCard! The main banks of the US have special offers for people with a poor credit record! But people must pay for improvement of their payment history.

Repairing a poor credit score looks like slow getting up on a stair.

When being on the lowest step of the stair, request your free credit report from one of the bureaus to know your FICO score. Then choose a MasterCard that fits this score. Here pay close attention to terms and conditions of the deal. Note that a rejection may hurt your payment report so do not submit numerous applications for offers you do not qualify for.

Make your payments regularly; do not go over your spending limit. Every month they will report that you pay on time and your score will gradually increase.

Yes, the fees will be high, but you do not get this card so you could run out and buy stuff. These deals of MasterCard are really for "buying" a better credit score.

So your score is gradually increasing. Once you'll get a high enough number to qualify for a new card with less fees and a better interest rate. Then an old credit card becomes too expensive. You pay it off and eventually close it out.

So you get up on the second step of our stair. Then you choose a MasterCard that fits your new credit score. All is simple.

So on every step of the stair, you:

1. Request your free credit report from one of the bureaus to know your FICO score.
2. Choose a MasterCard that fits this score.
3. Make your payments regularly, without going over your spending limit. Every month they will report that you pay on time. Your score will gradually increase.
4. Get a high enough number to qualify for a cheaper new credit card.
5. Pay an expensive old card off and eventually close it out.

I don't think I could add anything more. Good luck!

Read also:

• Best Business Credit Card With No Annual Fee
• Student Mastercard - The Perfect Solution
• What Happens If You Don't Pay Your Credit Card Bills?
• How to Increase Your Credit Score