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An individual’s credit rating is typically considered bad or poor if their fico score falls below 620. Issues that drop a FICO score to such a level include defaulting on (failing to pay back) loans and credit cards, making payments past their due date, and/or carrying a high level of debt.

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Citi offers you a selection of credit card offers with a diverse range of benefits and rewards to fit your needs – from low introductory APR on balance transfers to travel rewards. Read More. Choose a credit card below and explore a variety of unique features – including easy-to-earn points or cash back rewards.

Fin-tech company Zero announced on Tuesday, July 30, the public release of Zerocard, a credit card providing a "debit-style.

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* Subject to credit approval. Excludes gift cards. Discount is only valid when used with your TJX Rewards credit card. If you apply and are approved using a desktop or tablet, 10% off coupon can be used online or in-store.