Secured credit cards for bad credit. Unsecured credit cards for bad credit. Online credit card applications with a credit decision in 60 seconds. Guaranteed approval cards even if you've been turned down elsewhere because of bad credit.

credit cards for bad credit
Bad credit? We have secured credit cards, unsecured credit cards and guaranteed approval cards for those with bad credit.


UK credit cards for bad credit
 

Even if you have a bad credit history you may still get credit cards
. We feature credit cards and other types of cards that are especially designed for those who may have been turned down elsewhere because of a poor credit record. Select from several offers that include guaranteed approval stored value MasterCard® and Visa® cards that are accepted everywhere "credit" cards are, and catalog merchandise cards. We'll also help you with solid pointers on how to rebuild or establish a better credit history. We can help!


Is your credit less than perfect? Are you looking for a credit card
that can help you establish or re-establish your credit
without costing you hundreds of dollars to obtain? If you said yes to either,
then apply today for an
Orchard Bank MasterCard®!

Gold MasterCard


Credit Info: Cost of a Credit Card | Credit Info: Credit from the Woman's Perspective
Bad Credit Repair & Help | Smart Use of Your Credit Card | Our Obligations to You

If I Have Bad Credit, Just What
Kinds of Credit Cards Can I Get?


You have options, but your choices will probably mean higher interest and fees. You may qualify for secured credit cards. If your credit is severely damaged, you may not be eligible for a "credit" card at all. But you do have viable alternatives. Stored value cards are usually Visa® and MasterCard® and work just like a conventional card-- you can shop online and at bricks and mortar stores. Secured credit cards are cards that require collateral in the form of a savings account. The amount of the required savings varies with the card, and starts at $200. The amount of available credit also varies and is often about equal to the amount in the savings account. These cards are usually Visa® or MasterCard® and work everywhere that the unsecured cards do. Secured credit cards are ideal for those who want to rebuild a bad credit record or who are just building a credit history. Card providers may require minimum incomes for eligibility, for example, Orchard Bank requires minimum $12,000 per year income. Read more about these cards in credit cards for bad credit directory.


Stored Value Cards
Stored value cards are an alternative for badly damaged credit and consumers who may not even qualify for a secured credit card. Stored value cards may be Visa® and MasterCards® and are accepted wherever the "credit" versions are accepted. An attractive option, they don't require a credit check and don't incur interest. See
The Vaya® MasterCard® Card.


Merchandise Line of Credit Cards
You can get access to lines of credit of up to $10,000 with these programs. They aren't "credit" cards. You may not even be issued a plastic card for some programs. Instead you may shop for wide selections of merchandise within the program. Some programs do not require credit checks. Others may, and may even report account payments to the credit bureau, so can be a way to rebuild your credit. Program requirements vary, so view the directory page under stored value and merchandise lines of credit. Also carefully read the terms and conditions of these programs before applying.


So even though you've been turned down for credit in the past, you have options.

 
Orchard Bank MasterCard  
Orchard Bank MasterCard®
Secured or unsecured.
Orchard Bank will match up the best card for your credit history.
Click here to apply!
  Cross Country Bank Secured VISA™ Up to $5,000 credit limit.
USA Gold Card   USA Gold Merchandise Card
$5,000 credit line. Approval *guaranteed if your'e at least 18, a US resident with at least $800 in monthly household income and no undischarged bankruptcies.
*See website for terms and conditions.
USA Gold Card-- Apply Now!
  The Wired Plastic™
Prepaid Visa

No Upfront Payment Required – Receive your new Visa card in as little as 3 days
Overdraft Safety Program – Qualify to receive up to a $1500 cash advance directly to your card!
Rewards Program – Earn 1 point for every $1 spent, redeem points for; LD Phone Calls, Prepaid Wireless Airtime and Music Downloads
Integrated Bill Pay Service – Pay any bill online or over the phone, even if they don’t accept credit or debit cards.
Convenient Loading Options – Free Direct Deposit or add cash instantly at over 100,000 retail locations nationwide.
Vaya prepaid Mastercard   The Vaya® MasterCard® Card
Not a "credit" card. As long as you're a U.S. citizen and can provide proof of employment, you're automatically pre-approved even
with bad credit!
Apply now or get more info

  The All American Gold Shopping Card
*Guaranteed online approval, $6,000 unsecured credit line on merchandise. No credit checks or credit turndowns. No employement verifications.

*Guaranteed qualifications: You must be 18yrs. old, a U.S. citizen or permanent resident (excluding Wisconsin), a monthly household income of $800 or more & no undischarged bankruptcies to qualify for this merchandise card. *See website for terms and conditions

Credit cards for bad credit-- MasterCard or Visa
     


HOW DO SECURED CREDIT CARDS WORK?
Secured credit cards require a deposit into a savings account that "secures" the monthly balance against default. Deposits vary with each card provider and are typically from $200 to $500. Some providers will authorize a spending limit that only matches the amount of security deposit. Others may allow more. If you ever decide to terminate or cancel the credit card you get your deposit money back, plus interest (less any amounts owing, according to the contract).

Secured cards lack special low interest rates and benefits that are available to those with good and excellent credit.

Because secured credit cards are designed for those with damaged credit, the total cost of owning a card will be more than those for people with good credit. The secured card providers assume a higher risk of default so the interest rate will be higher and there may be additional fees in the form of annual fees and/or maintenance fees. Carefully read the terms and conditions of the card before you apply.

Some card providers may require a smaller security deposit to approve a card but may have expensive yearly maintenance fees that are spread across 12 monthly payments. Cards that have higher security deposits may not have the onerous maintenance fees. Shop around.

Secured credit cards are definitely more expensive than the rest, but they are an alternative for those who have bad credit but need a conventional credit card. They are also good for those who haven't yet established a credit record. These cards report to credit bureaus so, if used intelligently and paid on time, you may graduate to a more lucrative, lower interest card.




CONTROL YOUR SPENDING AND REHABILITATE YOUR BAD CREDIT
Maybe you can tell that we're big on controlling our spending. After all, living within our means is the single best way to avoid unnecessary debt, bad credit and to build an excellent credit rating. So we wrote a whole article about how to control our spending habits. We were serious when we said we were here to help!

Okay. You have bad credit. You want to dig out from under the "load" of debt, but you can't seem to make any headway. Here are a few steps that work - if you follow them!

Set Goals.
I know what you're thinking. Sounds too simple doesn't it? Big deal. How's that going to really help me? Well, sports psychologists have known for a long time that visualization is a key ingredient in training a world-class athlete. The athlete has to "see" himself winning. You have to "see" yourself with less debt and a better lifestyle. What do you want when you repair your bad credit? A house? A car? Family vacation? If you immediately thought of something you wanted when you read that question then you have a goal. If you didn't, think about it for a moment and believe me, you will find a goal even if it's as simple as having peace of mind.

Put Your Goal In Front of You.
I mean that literally. If your goal is to vacation in a tropical paradise, then you need to put that goal in front of you. For example, if your shopping list was written out on a page from a magazine that featured swaying palms and a brilliant sunset, do you think you would be less likely to buy extra stuff that you don't really need? Of course you would!

Avoid bad credit by controlling spending. Click here to continue.