Credit Card Applications for Bad Credit from MasterCard and Visa
Need a Credit Card for Bad Credit History?
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We`ll help you find the right card!
$0 Activation Fee. 100% Approval. Build Credit History. No Credit Check, Late or Overdraft Fees.
Apply for a Credit Card Today! Quick and Easy Application. Monthly Reporting to major Consumer Reporting Agencies.
Bank name
Card name |
Credit History |
Annual Fee |
Setup Fee |
Apply / Details |
HSBC Bank Nevada
Orchard Bank® Visa® Cards
|
Fair Credit |
$35 - $79 |
$0 - $39 |
- Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
- Acceptance at millions of locations including website purchases and reservations.
- Your account information is updated and at your fingertips 24/7 so you can manage it your way.
- Email and text messages to remind you of your upcoming payment due date with online enrollment.
- On-call customer service representatives to assist you with questions or concerns.
Apply
Online
See details
|
Best Credit Cards from
BestCreditOffers.com
|
Bad / No |
See website* |
See website* |
- Credit not-so-good? Not to worry with these credit cards.
- The online application is safe, secure, and simple.
- Monthly reporting to major Consumer Reporting Agencies.
Apply
Online
See details
|
HSBC Bank Nevada
Orchard Bank® Classic MasterCards
|
Fair Credit |
$35 - $79 |
$0 - $39 |
- An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
- Acceptance at millions of locations worldwide, including website purchases and reservations.
- Your account information is updated and at your fingertips 24/7 so you can manage it your way.
- Email and text messages to remind you of your upcoming payment due date with online enrollment.
- On-call customer service representatives to assist you with questions or concerns.
Apply
Online
See details
|
Best Credit Cards from
BadCreditOffers.com
|
Bad / No |
See website* |
See website* |
- Credit not-so-good? Not to worry with these credit cards.
- The online application is safe, secure, and simple.
- Monthly reporting to major Consumer Reporting Agencies.
Apply
Online
See details
|
Best Prepaid Offers with Guaranteed Approval:
Credit Cards for Credit Improvement
Like it or not, our credit score changes with the course of time. It can increase or fall and you are the one who`s responsible for your credit achievements. When carrying credit cards, no one is fully protected from unfortunate mistakes, and the cases are not rare when our credit failures end up in credit score drops.
To build a stable credit history is not that easy as it seems at first glance. It requires your time, and a great deal of patience, and responsibility. Besides, you have to be really careful when carrying first credit cards, as they generally come with higher rates compared with offers for good-score customers.
Credit cards for limited credit are not bad at all. Just the other way round, these plastics allow customers to repair or continue building their credit history.
Want to make sure that your payment activity is reported monthly to major credit bureaus? Explore credit offers by card issuers specializing in plastic money deals for bad credit. It is also worth mentioning that some bad credit offers come with really good features, like low interest rates on purchases. Fortunately enough, today lenders pay more attention to the needs of cardholders with limited payment history. So, you are sure to find the right offer for you!
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 way out for this group of customers.
A secured plastic 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 shop around and compare the deals.
You can obtain secured plastics by major payment systems, MasterCard and Visa. It's worth also mentioning that you will feel no difference between unsecured and secured cards when using the latter.
Secured plastics 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 bureaus. When having secured cards, you may rest assured that your payment activity is reported regularly to credit bureaus, and thus you will not lose the major benefit of these plastics.
To make the best use of a secured card, pay off the entire balance every month and you are sure to build a solid credit history!
Credit Solutions after Bankruptcy
Let us be honest, bankruptcy is a sore point for some. Sometimes, credit card debts may be the reason for bankruptcy. But even if you have filed for bankruptcy, you can still obtain a credit card.
The question is, which card suits you best? Fortunately, there are credit providers specializing in offers for customers with limited payment history. That`s why it`s not so difficult to find the right card for you.
If you have filed for bankruptcy, you`ve got two options - secured or unsecured credit offers.
Do a little research beforehand, and choose the card in accordance with your financial requirements. This way, a secured credit card will be backed with a savings account you establish with a 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.
Besides, having a deposit of $700, you may count on a spending limit of the amount of your deposit. When a cardholder of a secured card defaults, the issuer will take this money from your account. As for unsecured plastics, they require no deposit, but it`s getting tougher to qualify for these cards.
Date:
2008-12-09 06:24:04
User Name:
Barbara
I have low credit score. Does that mean bad credit history? I have applied for a credit card and been denied. That makes me wonder if I should try again. I would like to apply for one that will approve me for sure.
Answers:
You have bad credit if your score is below 620. Do not get upset if you fall in this category. You have good options to choose from. First of all, keep in mind that you need to check credit history requirements before you even consider an offer. If you have bad credit, or no credit history and apply for a good credit offer, you will be denied, denial will go to your records and will negatively tell your credit score. So, focus on offers for bad or no credit that may help you improve credit history. Look for 'no credit check' or '100% guaranteed approval' feature, majority of secured credit cards and prepaid debit cards offer it. And just one more thing to add. If you are looking for a card not just to make payments or manage your finances (prepaid debit are cheaper if it's what you need), you should look for a credit card that provide monthly credit reporting. Consider getting a secured credit card, you have better chances to get approved if you provide collateral as a proof of your creditworthiness.
Credit History Center
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 credit bureaus. 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 credit bureau through the year. You can also order 3-in-1 copy of your credit report.
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/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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Card Offers
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