An unsecured credit card is one in which an individual does not have to use collateral to secure the credit. Their credit history is usually strong enough to qualify for that particular card; their income also reflects that they will not have a problem making payments on the account.
If a person has bad credit history, they will generally find that it is a lot harder for them to obtain a credit card that is unsecured; this particular individual will need to look at seeking a secured credit card.
To ensure that a person will qualify for an unsecured credit card, that individual will need to be sure to make timely payments when paying on accounts and to pay at least the required minimum payment each month.
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