Search and apply online for the best bad credit cards that may help rebuild your credit. If your application is approved, make a purchase and don't forget to pay at least the minimum before the due date.

Note: If you pay above the minimum payment, you will not pay as much as the interest charges.

You can also go to your bank and apply for a bad credit card.

Ask your family or friends to co-sign for first few bad credit cards. Lenders will consider the co-signer's existing credit.

Note: This is a big responsibility - you can cause major headaches for the co-signer if you don't pay as agreed.

If the above choices fail, apply for a secured credit card which requires security deposits. Secured credit cards are easiest to get because your credit line is "back-up" by your deposit.

Here are the most popular and best credit cards to rebuild credit

CreditSoup® Credit Cards

CreditSoup.com is a free service designed to connect you with a lender that best fits your credit needs. Whether you have no credit, bad credit, or excellent credit, CreditSoup® makes finding your funding as easy as 1-2-3!

Continental Finance Gold MasterCard®

Get a second chance with rates as low as 9.75% APR*! If you have been turned down recently because of your credit score, Continental Finance Gold is here to help you with the second chance you've been waiting for.

PledgeTM MasterCard®/Visa®
Offering credit to those with less than perfect credit, its our Pledge. Apply now for the new PledgeTM Card from First PREMIER Bank.

* Monthly reporting to the 4 major credit bureaus.
* Low APR on purchases!
* Get the convenience of a MasterCard or Visa card
* Application response within 60 seconds
* Even if your credit is less than perfect.

CREDIT CARD TYPES:

* Bad Credit Credit Cards

* Best Secured Credit Cards

* Guaranteed Approval Credit Cards

* Prepaid Credit Cards

* Business Credit Cards

Orchard Bank Classic MasterCards

* 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

----- Why You Should Choose Orchard Bank MasterCard? ----

Cash Yes MasterCard®

Real Credit. Right Now. The Cash Yes MasterCard® is the perfect unsecured credit card for those people with a less than perfect credit history or those who are new to credit.

* $370 available credit the moment you get your card
* Cash advance - Get cash when you need it.
* Reports monthly to the major credit bureaus.
* Credit limit increases available
* Automated payment plan - Help minimize late fees
* Unsecured MasterCard® Accepted at millions of locations worldwide
** See website for complete terms and conditions of card usage and application disclosure.

**Consolidate your debt, with Credit Solutions of America, Inc. ~ Saving you thousands off debt - we make getting out of debt easy for you.

Should I Get a Consolidation Loan?

FREE DEBT AND BUDGET ANALYSIS

Don't put false information in bad credit card application form. Lenders will surely find out and any inaccuracies on your application will be against you in the future applications.

Check your credit report and make sure it is up to date and accurate. Don't let your credit score suffer because of inaccurate information.

Keep paying all your other bills on time while you are applying for a bad credit card.

Once you get approved, you will receive many offers in your mail. It is advisable to have 1 or 2 small credit card limit and and 1 with a larger limit.

A bad credit rating can limit your borrowing options. It may be worthwhile asking a family member or good friend with a good credit history to co-sign for a small loan or credit card. This will re-establish good credit in your own name.

Most poor credit cards don't provide grace period on new purchases. And the 20-25 days grace period only applies if you in full each month. So, pay off your balance each month to minimize your finance charges.

Do you know which is better for you, home equity or refinance? Or do you want to know the ways to accomplish debt consolidation?

Discover the SECRET on how you can quickly and easily repair your own credit. Join our mailing list and receive our FREE credit repair guide. We used this guide to increase our credit score by 150 pts in 6 months!

Get rid of your credit worries,

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1. Always CHECK your credit card bill to make sure that there is no charges that you did not make.

2. DON'T accept charges by telephone because it involves a big risk of credit card fraud and disputes.

* Step On How to Avoid From Being A Victim Of Credit and Charge Card Fraud

* Fighting Back Against Identity Theft

3. WATCH OUT for introductory offers. It may expire after 3 or 6 months. Know how much the rate increase after the introductory offer expires.

4. Don't use auto complete online forms software in your computer. This gives internet scammers easy access to your personal and credit details.

5. Also, NEVER sends your credit card information through email.

We know that unsecured credit cards for bad credit carries many convenience, but it also carries risk. We can avoid this risks by being smart and being alert to some of the common scams in the marketplace.

Pay attention to your card slip as it is begin filled out. Ask for a copy of the slip.

Keep your poor credit card receipts and check them against your monthly bills.

If your transaction is by phone, make sure that the person you are talking with is legitimate.

Make sure that your card is returned to you after every transaction.

Make a list of the contact information of your credit card providers so that if your card is lost you can contact them immediately.

If your card is lost, call your credit card company. Your liability is limited if you notify them immediately.

Read more about Credit Card Fraud

• Online Credit cards. Finding anything online is hard to do let alone credit card but there are several places to go depending on your credit ranking so here are a list of offers.


• Bank of America. If you have absolutely great credit the place to go is Bank of America they offer high limit cards sometimes unlimited. They even offer convenience checks for your convenience you can write one to yourself for extra cash.


• Capital One. If you have limited credit history then Capital one is the card for you they have a limits up to $1000. Your credit limit increases with on time payments and it's easy to apply, just fill out the 60 second application and they will give you your decision. Remember limited credit history means no credit history.


• Bad Credit Options. For Bad Credit history there are several cards. Orchard Bank offers cards with limits up to $300.

1. Call the credit bureaus ( Equifax, Experian, TransUnion) to place a fraud alert on your credit report.
2. It is better if you close your financial accounts that may have been opened by the perpetrator.

3. Changed all the password that you use online (that is, if you can still access to your account).

4. For the accounts that are already compromised, contact the creditor and tell them that your identity has been stolen.

5. File a complaint with the FTC. You can call their Identity theft Hotline: 877-438-4338 or you can file complaint online.

6. Seek attorneys help to understand your legal rights and other legal options that you may have.

Helpful article: Is Your Identity Stolen? - What You Should Do

More information about Identity Theft

Get a copy of your credit report in credit reporting agencies ( Equifax, Experian, TransUnion) once a year even if you think you have good credit. You can get it for FREE. You may still find errors that will damage your credit rating.

Filing for bankruptcy is always an option, although it will reflect in your credit history for 7-10 years. It will be difficult for you to get a car or a home loans in the future.

Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.

Every application you make for a bad credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with credit card companies that will extend credit to you.

Guide To A BETTER CREDIT SCORE

Quick Steps to a Better Credit Score

How To Repair Your Credit Score

How To Improve Credit Score

5 Ways To Improve Your Credit Score

Improving Your Credit with Bad Credit Unsecured Loans

Credit Repair: Self Help May Be Best

Working Towards Good Credit

Bad Credit Personal Loans

Bad Credit Payday Loans

Why do the interest rates of unsecured credit card for bad credit is higher compare to other bad credit credit cards?When creditors provide unsecured credit to those individuals with bad credit, the credit issuers face higher financial risks. So, to protect themselves, creditors set higher interest rates and fees for those with bad credit.

Can I get a credit card if i am under 18?

The legal age in the United States to obtain your own credit card is 18 years. Fortunately, there are other options available to you.



What's the difference between secured and unsecured credit card ?

A secured credit card is a credit card that requires a security deposit. While an unsecured credit card is one that does not require a security deposit.

What is an introductory (or intro) APR?
An introductory annual percentage rate (APR) is a temporary APR that typically changes to a higher rate after the intro period (typically 3-12 months). Many people make use of these promotions to make a large purchase (or purchases), which they can then pay off in a series of months.

What is a balance transfer and/or balance transfer rate?

In the most basic terms, a balance transfer is a way of moving a debt from one credit card to another credit card. This is often done to save money, as the new credit card may have a lower finance rate (APR) than the old credit card.

How many credit cards should I have?
It's better to have two cards with $5,000 credit limits than 10 cards with $1,000 credit limits.

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