Featured Credit Cards for Consumers with Limited/No Credit About
Visitors to our site with a credit rating that is "less than desirable" have found this section of our site to be helpful. The cards listed below can help you improve your credit rating if used responsibly. This section also highlights cards that cater to consumers who are seeking to "establish credit" (such consumers do not have a credit history). Unless noted, the cards below report to at least one of the three major credit reporting agencies or bureaus. If you would like to receive new reviews of credit cards in this section by e-mail, then please subscribe to our newsletter! Our newsletter includes insider credit card tips and expert analysis.
Poor Credit Tip! A secured credit card is often the best option for many consumers with a poor credit rating. Secured cards usually offer more attractive terms than unsecured cards (fewer fees, lower interest rates, etc.) and have a higher approval rate. In addition, secured card issuers often report to the major credit bureaus in the same manner that unsecured card issuers do (please verify this before applying). In other words, credit bureaus usually do not make a distinction between the two card types (please verify this before applying). So, secured cards can often help you rebuild or establish credit just as fast as an unsecured card can. Finally, if you use your secured card responsibly, you are likely to qualify for an unsecured credit card with more attractive terms after only a year or so.
Provides you with the opportunity to establish better credit
Orchards' custom pre-screening credit application suggests the Orchard Classic card that's right for you - Platinum, Gold, Classic or Secured
Standard variable purchase 7.90% - 15.99%
Annual fee: $0 - $79
Card Details: Note! *See the online Orchard credit card application for details about terms and conditions of this offer. Annual Fee: $0 - $79. 5% Cash Advance fee and, if applicable, Balance Transfer Fee with a $10 minimum. Issued by HSBC Bank Nevada, N.A. Orchards' pre-screening application will suggest either the Platinum, Gold, Classic or Secured and provide you with the specific application
for that card if you choose to apply.
If the pre-screening application directs you to the secured card a savings account will serve as collateral for the secured credit card.
The minimum deposit required is $200, with a maximum deposit of
$15,000. At any time after your account is opened, you may send in
deposits in increments of $100 to add to your secured savings account. Interest rate is 7.90% and $35 annual fee is waived during the first year.
0% on purchases until February 2009. After that, variable APR, currently 19.80%
No annual fee
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving ZoneSM on Yahoo! Shopping
Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
Card Details: No balance transfer fees. $0 fraud liability for lost or stolen cards. 24/7 customer support and online account service.
* This offer is available to online applicants. This online application is subject to the terms and conditions as described in the Important Information Section of the application.
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