Online Applications | Credit Cards for People With Bad Credit
- on 03.16.10
- Filed Under Business
- 16 Comments
Compare the best credit cards for people with bad credit at www.securedcreditcardlist.com. As we all know, responsible credit card use can lead to a lifetime of low-interest rate loan opportunities. Notwithstanding a less than perfect credit record or minimal income, credit card issuers often give consumers a second chance to repair their credit history through the use of a secured credit card or a pre-paid credit card. This is an opportunity that should not be taken lightly, particularly in light of the enduring credit crisis which has made it difficult for many working people with good credit records to receive new credit cards, auto loans and mortgages.
Secured credit cards issued by Bank of America, Capital One and New Millenium are specifically designed for applicants with imperfect credit histories. Some of the features offered by these credit card issuers include:
• Credit Lines available from $300 to $10,000
• Set your own credit limit
• Build or reestablish your credit
• Save with a low non-intro variable APR, currently 14.9%
• Exclusive savings on featured deals
• Know you are protected with $0 fraud liability if your card is ever lost or stolen
During continuing economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant – consumers with damaged credit records should be given an opportunity to re-build their credit. Responsibility, however, is essential. If you do not have sufficient funds to buy something now, you should consider saving until you can. Credit cards are most beneficial when you can afford to pay your balance in full every month. In these turbulent economic times, where credit is getting more difficult to come by, it is important to establish a strong credit profile by establishing credit early and maintaining a consistent payment history. Credit cards issued by Bank of America, Capital One and New Millenium are tailored for applicants with less than perfect credit.
I believe one of the best is OrchardBank.com.
They will prescreen you which is nice(a soft credit hit, not a hard, so it doesn't hurt your score) and they'll offer you a card. Two years ago I started with a secured card(was $35/year and had to secure it with $200) About a year later, HSBC, the owner of OrchardBank mailed me a preapproval letter for an unsecured card($40 annual fee) I still have both cards and pay the annual fee just because I'm still not able to get a card with no annual fee.
That would be my best suggestion. I haven't really had any problems with them except when you call customer service you have to call 3 or 4 times if you don't want to talk to someone in india.
nice presentation! cool effects!
I happen to believe Congress LIKES it that way.
NO BANK has ever lent anyone ANY money. The bank just acts as a middle man for an individual who’s created a promissory (a promise to pay) note. People create money themselves w/ their promise to pay. The bank simply steps in as middleman & launders the money into its own possession. A bank never lent u any money,?? u created it yourself & the bank simply tricked u into believing they gave it to u. They’re simply a 3rd party interloper.
First Premier is a very sub prime lender. You pay all of those non refundable fees to have a crap card.
Go to the Orchard Bank, HSBC and Bank of America websites.
They have a card selector that you can do for what may be recommended for you. The card selector will not pull a hard inquiry. But, if you apply for the card that is recommended, then they will pull a hard. Keep in mind that even if a card is recommended, you still may not be approved.
If they recommend a secured card, that is still better than First Premier. The money that you use for the secured card "is" refundable when they unsecure the card or you close the account.
Try store cards also. Like Walmart, Target etc.
You might go to Crown Jewelers and apply.They do not pull an inquiry. But there is a small catch, you have to purchase something for them to report. Though, purchasing the most inexpensive item will probably get you a $1500 limit reporting on your credit reports.
@mordicus thanks^_^
I think they used after effects or flash…
nice video
freecreditreport.hotusa.org – try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
I enjoyed reading your writing. You are indeed an English major and that not just as a degree goal but you do write beautifully and I can actually understand what you say. Well done.
It is a difficult situation. There are no guaranteed solutions. I do however wholeheartedly agree that you ought not take up CNA if you know that you would intensely dislike it. I could not do it either because I just could not bear having to be around sick people all day long.
It is also important to keep in mind what other certificates you could do and in particular what guarantee of employment do they offer? A certificate offers nothing except the chance to find employment. You run the risk of spending money on the certificate only to find that you still cannot obtain employment. How disappointing would that be? And it would be money wasted on a course that you could have done to complete your degree.
Do you need to continue at your current university if it is so expensive? Have you considered completing your degree part-time online (while you work or try to find work)? I am a graduate of Excelsior College http://www.excelsior.edu which was set up for people like you who have partly completed degrees but must work and so cannot attend on campus. The beauty of Excelsior is that they have associations with dozens of other universities that offer online courses so you can pick the course with the lowest fee and credit it to your Excelsior degree. Something for you to explore.
Can you find any job that does not require a certificate? If so, take it and continue your degree online. This way you are still on your way toward your English major ( don't give up on it whatever you do – you need to take your gift for writing to the highest level – don't waste it).
My approach, if I were in your shoes, would be as follows:
1. If a certificate (which I reasonably enjoy and won't destroy me emotionally) ** guarantees ** employment, then get that certificate. Work a while to pay off the credit cards, and continue my degree online.
2. If a certificate is not an option, then find any other job that will help pay off the credit cards – while continuing my education ( preferably online for cost and efficiency reasons)
Don't waste time just working: Come home, turn on your computer, get online and start studying. This way you kill two birds with one stone.
Hard decision to make. Only you know what will work best in your situation.
Hope this helps.
First Premier has always billed it self as a credit builder credit card. The funny thing is you can usually find a normal card without paying fees unless you have declared bankruptcy or owe like 50 grand in other debt.
This credit card reform is a bunch of garbage. Cut em up people.
people don’t be fooled, watch the money masters to learn the truth about money and the federal reserve. The federal reserve is a private owned bank , they control the power in the us because we are all in depth now.
what program did you use to make this? very neat
They are going to look at your entire financial history and then decide if it is worth risking having you as a customer. Be sure you charge only what you are guaranteed to have available to pay the entire balance off each month and pay it as soon as you get the bill so you don't forget. Consider starting with a prepaid credit card. There is some reason your credit rating is so low and you must do everything possible not to make it worse. Do a search on "how to raise my credit score." ehow.com has a very basic article. I just heard Clark Howard (has a show on Fox Business News channel about money matters–lots of people in trouble call for advice–and he said the rich get richer because they don't buy things they can't pay off right away, don't buy new cars, etc. and the poor live on credit. This makes a lot of sense to me.
Summary about the credit crisis: Its because the government is too big and thinks it can spend YOUR money better then YOU. They think they can meddle with the economy without fucking it up.
You know nothing about Soviet Union…I was born and grew up in Soviet Union…it wasn’t shit…it is just propaganda that washed your brain…every system has bad sides and good sides…every system has glitches and errors…and it depends on who is leading it…