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Horizon Card Services Horizon Gold Credit Card

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Best Credit Cards from Credit-Land.com

0% Intro APR. No Annual Fee.

Great Rewards Programs.

Horizon Gold Credit Card

$500 Credit Limit

No Credit Check.

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Credit One Bank® Platinum Visa® for Building Credit
Credit One Bank® Platinum Visa® for Building Credit
Fair
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Apply Now!
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Fingerhut Credit Account
Fingerhut Credit Account
Bad
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
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National Credit Direct
National Credit Direct
Any
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
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Imagine Gold MasterCard was issued by First Bank of Delaware and was intended for customers with bad or no credit. One of the main benefits of Imagine credit card was that it could help build or rebuild credit history. It sent regular reports to credit bureaus, thus helping to improve credit faster. Yet like many of the credit cards for bad credit Imagine card had a low spending limit, high interest rates and high fees and also required you to set up an automatic payment plan.
Today Imagine card is no longer issued to new cardholders, but options for those with low credit scores are many. On our site we're presenting offers just as good as or even better than Imagine credit card. Compare the credit cards for bad or no credit, secured and prepaid debit cards.

Why build or improve credit history?

Your credit history is what determines your relationship with lenders. Every time you apply for a loan or credit card, your credit report is requested by the creditor. Creditors review your history and make the decision whether to extend you a line credit or not and on what terms. Higher credit score usually means low APR or 0% interest rates, low or no annual fee, rewards programs, overall better terms. Bad credit or no credit history mean higher risk to the lender and your credit terms, interest rates and fees will be less beneficial. Your credit report is also reviewed when you try to get insurance, sometimes employment and housing.
If building solid history is something you desire, you can choose a credit card you qualify for now. Make sure it reports to credit bureaus regularly so that you can build or improve your credit faster. Pay all your creditors on time and keep your credit utilization ration low. Good credit habits and a right credit card should help you establish or improve your history!

Credit and Prepaid Debit Cards

Even if your credit history is not that great, you have many good options to choose from. With bad or no credit you can apply for a credit card or a prepaid debit one. Knowing your needs and habits, you can choose what is best for you.
With prepaid debit cards you will enjoy 100% guaranteed approval, no interest charges, no overdraft or late fees and no risk of accumulating debt as you only spend money you deposit onto your card. It's safe and convenient for setting up a direct deposit of your paycheck or government benefits, paying bills, making purchases and travel reservations online. With some of the best prepaid cards you can also build credit.
Credit cards for bad credit usually send regular reports to credit bureaus, which is good for improving your score faster. Yet interest charges and fees are often high and spending limits low. If you apply for a credit card for bad or no credit to improve credit history, you should work on increasing your credit limit, as around 30-35% of your credit score is made up of how much of extended limit you actually use.
Research, compare and apply for credit cards or prepaid debit cards depending on what is better for your individual needs and habits.

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FAQ

Answer:

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...

Answer:

Right you are. With a prepaid card you load and spend your own money. Prepaid cards do not require a credit check and can be used like a regular credit card for online shopping and bill payments. They are a good way of managing your finances. With a regular credit card you spend money you’ve borrowed from a bank. Regular credit cards require a credit history and come with APRs and fees you should be aware of....

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* The Low-Interest-Rate-Visa-Credit-Cards.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. Low-Interest-Rate-Visa-Credit-Cards.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the Low-Interest-Rate-Visa-Credit-Cards.com website are property of their respective owners.