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Horizon Card Services Horizon Gold Credit Card

Credit Card Applications for Bad Credit from MasterCard and Visa

ADVERTISER DISCLOSURE is an independent, advertising-supported web site. The credit offers that appear on this site are from companies from which receives compensation. This compensation may have an impact on how and where credit products appear on our site, including, for example, the order in which they may be listed on our site pages. does not review or offer all available credit products.
for POOR or BAD Credit
Horizon Gold

Must have Active Debit Card or Credit Card to qualify.

Instant $500 Credit Line. No Credit Check.

for BAD or NO Credit
Next Millennium

Enjoy a $1,000 Credit Line!

No Credit Checks & No Credit Turndowns!

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WebBank/Fingerhut Credit Account
WebBank/Fingerhut Credit Account
$0See Terms
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Apply Now!
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Credit One Bank® Platinum Visa® for Rebuilding Credit
Credit One Bank® Platinum Visa® for Rebuilding Credit
$0 - $99See terms
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Accounts are automatically reviewed for credit line increase opportunities
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
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Credit Cards and Credit Improvement

Your credit score changes over the course of time. It can increase or decrease in response to your financial actions. Nobody is exempt from unfortunate mistakes or unforeseen circumstances, and the cases are not rare when our credit mishaps end up in plummeting credit scores.
Building a stable credit history is not as easy as it seems. It requires your time, attention, responsibility, and a great deal of patience. You have to be careful when shopping for your first credit card. Higher rates are generally associated with a lack of credit or a low credit score compared to offers for customers with a good credit score.
Credit cards for limited credit have some competitive offers. These cards allow customers to repair or continue to build their credit history.
Do you want to make sure that your payment activity is reported monthly to major consumer reporting agencies? If so make sure you choose a secured credit card as opposed to a prepaid one. Generally secured credit cards will report to consumer reporting agencies whereas most prepaid cards do not. Explore the credit card offers intended for people with limited or bad credit and get the facts about featured cards. First PREMIER® Bank offers a variety of credit cards and is familiar with the needs of clients with a blemished credit history. They are among the 20 largest issuers largest credit card issuer in the United States.

Establish Credit History with Secured Cards!

Secured credit offers may be the answer for those who aim to build a strong credit history. Applying for a regular card can be a problem if you have no credit history, or your credit is seriously damaged. Secured credit cards can be a solution for this group of customers.
A secured credit card requires a cash collateral deposit that automatically becomes your credit line for this account. The features of secured offers may vary depending on the issuer. Every secured card charges an annual fee, so it pays to compare the offers.
You can obtain secured cards by major companies such as MasterCard® and Visa®. Secured credit cards are accepted at the same locations as regular ones.
For people building their credit, one of the major points they should take into consideration is monthly reports to major consumer reporting agencies. With a secured card, you may rest assured that in most cases your payment activity is reported regularly to consumer reporting agencies, and thus you will have the major benefit of these cards.
To make good use of a secured card, it is best to pay off the entire balance every month. This way you avoid interest and accelerate your way to a better credit score.

Credit Solutions after Bankruptcy

Bankruptcy is a sore point for some. Whatever the reason for your bankruptcy, even if the circumstances involved credit cards, it is still possible to obtain one.
The question is which card suits you best? Fortunately, there are credit providers specializing in offers for customers with a problem in their credit history. That`s why it wont be difficult to find the right card.
If you have filed for bankruptcy, your most probable option is a secured credit card.
Do a little research beforehand, and choose the card in accordance with your financial standing. A secured credit card will be backed with an account you establish with the provider of the card. The great thing about these cards is that you will face no difficulties when applying for a card if you`ve got a savings account. So you can be sure that you will obtain the card.
The spending limit will be equal to your deposit. When a cardholder of a secured card defaults, the issuer will use the deposit to cover the debt. Unsecured cards require no deposit, but they are tougher to qualify for. Some of the products issued by First PREMIER® Bank are unsecured, fee-based products.



Apply for a secured credit card before you declare the bankruptcy. It is important to apply before you declare the bankruptcy because issuers may not open you a credit line while you have undischarged bankruptcy. Also, think again before you declare the bankruptcy. Talk to your creditors about your financial situation. Most of the creditors are willing to help; they can fix your interest rates or even lower them while you are paying off the bala...


It feels like you confuse prepaid cards and secured credit cards. Capital One has both prepaid cards and secured credit cards. Let’s look into and try to understand which is which.The first, prepaid card, acts like a usual credit card but no credit is offered and you can’t build a credit history. You just load the card with any amount of money (but up to the predetermined card limit) and use your prepaid card as if it was a usual cred...

Credit Report


Understanding Credit Score

When applying for a card, one of the crucial points that determine your success is your credit score. Somehow, this three-digit number can speak volumes about payment habits, credit achievements, and your responsibility. This number is generated by a special mathematical algorithm based on the information in your credit report. Credit score is an accurate prediction of how likely you will pay your bills. The higher your score is, the better.
The score ranges from 0 to 850**. And the difference between fair and good credit may be no more than a few score points, but this difference will cost a pretty penny. That`s why everyone who starts establishing credit aims at maintaining good history. Keep in mind, the higher your score, the better credit offers you may consider!

How to Check Credit Score?

When choosing a new credit card, you should know your credit score to make sure that you can qualify for this or that plastic money offer. According to the Federal law, you`ve got the right to get a free copy of your credit report once a year. This information is provided by three major consumer reporting agencies. They are TransUnion, Equifax, and Experian.
You can request this information either by phone or online. You can order 3 copies of your credit report where your score is also displayed. Most customers obtain three copies of credit reports from every consumer reporting agency through the year. You can also order 3-in-1 copy of your credit report.

Free Credit Score

How to Raise Credit Score?

Credit score plays a very significant part in our financial lives. It`s of great importance when it comes to obtaining loans, a mortgage, or credit cards. Some employers review your credit score as well. In other words, good credit score is fundamental to financial success. With good score, it's much easier to get best rates, and pay less.
The question is, how can you boost your score? First off, check for inaccuracies in your credit report. Negative information can drag your score down. Take a closer look at your debt-to-available credit ratio. Keep it low so that the amount of available credit will be higher than the amount of debts. And by all means, pay your bills on time, and try not to exceed your credit limit.

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