By opening an account with a bad credit credit card, you can start improving your credit rating each month. Because credit card companies report to the four major credit bureaus on a monthly basis, every month that you responsibly use your credit card will positively affect your rating. Your on-time payments to your bad credit credit card will prove to other lenders that you are a responsible credit user. Just be sure that you pay the balance on your bad credit credit card each month as non-payment will negatively affect your credit score.

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