text: bad credit need loan or creditline from visaor master card to help bulid credit or balance transfer?   apply for a card with a small credit limit like 500.00  buy something with it and pay it off when you get your first bill, keep buying small purchases like 100.00 or so and keep paying it off as soon as you get the bill...do not let it build up this way you dont get charged interest  before a few months go by you'll be getting offers in the mail left and right  b.