Bankruptcy: If you have bankruptcy on your credit report, your credit card selection may be limited. We recommend a stored value, guaranteed credit card.
Poor, no credit or bad credit: Again, your credit card options may be limited, but depending upon the types of entries on your credit report that reflect bad credit, you may still qualify for some unsecured credit cards.
Excellent credit: Excellent credit generally means your annual income is over $30,000, you have been paying all bills on time, and you have at least 3 good credit references.
There are credit cards for all credit types, ranging from instant, guaranteed approval to credit cards that offer rebates and rewards. You can use our credit card search to find prepay credit cards, secured and partially secured credit cards, and gold and platinum unsecured credit cards. Simply enter your credit card search terms in the box above.
Guaranteed credit cards offer unsecured credit with no credit checks and no turndowns, whereas gold and platinum credit cards often require a credit check to prove credit worthiness.
If you have been rejected for a credit card, it's possible that you applied for a card that requires a higher credit rating. In such case, you may want to consider lower limit cards with less frills, and work on rebuilding credit.
If you already have a high credit limit, platinum credit card from a major issuer, such as American Express, Discover, Chase, etc, and are looking for a 0 intro balance transfer, be sure to read the terms when you apply to see if there are any transfer fees, limitations or restrictions, and if the 0 introductory period actually includes balance transfers.
Regardless of good or bad credit or the type of credit card you desire, use our free credit card search engine.
Credit
Card
There
are many credit cards on the market that can benefit people who like to travel
the world, and one is the HSBC MasterCard.
Some benefits of their card includes earning points that do not expire, ways to
earn double points on new accounts, having flexible rewards for specific
lifestyles, and ways to fly on major airlines without blackout dates. For people
who travel outside the United States, they offer no foreign transaction fees on card purchases made in a foreign currency.
They even offer ways to be an HSBC Premier Client. Visit their website for all
details.
MasterCard
has cards that offer cash back, fly rewards, and even a non-rewards card. Cash or Fly
rewards have points for dollars spent on the card, that could be redeemed for travel points or
cash back. There are ways to get some travel discounts with points on some major
airlines. The non-rewards HSBC Platinum MasterCard has benefits like rental
insurance, travel assistance services, and 24-hour toll-free assistance. They
try to offer people a card that best fits their credit profile, and it may not be the card
inquired about. They have both secured
cards and unsecured credit cards. The terms and conditions of any card
offered would be disclosed before an application is processed. Visit their
website for more information about all card offers.
For
people who are not sure of their credit type and who are seeking a credit card,
getting a credit report is a great place to begin. See what lenders see when
they view your reports. If you have been unable to get credit, find out what is
on reports that may be a problem. High credit scores mean credit is not viewed
as being bad and that means getting good interest rates on cards and loans. Low
scores of 600 to 300 could mean credit could be at a higher rate of interest.
Low scores can indicate a borrower may be a risk for a lender.
Review Disclaimer:
Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warrnty of any claims made by the website. Use the review information at your sole discretion and sole liability.
By applying for a Reward credit card you to earn special incentives anytime you use your credit card on daily purchases. While they tend to have higher interest rates than standard credit cards, reward credit cards are great if you can pay them off quickly. Earn cash back, points, airline miles, gas rebates and many other great rewards! Reward cards are best for people with good to excellent credit.
Shopping Rewards: Earn rewards while you shop from your favorite retail stores. Shopping and retail credit cards allow you to earn points which are redeemable for cash, gift certificates, merchandise and more. Earn even higher bonuses when you shop online at affiliated retail locations! Retail credit cards are great for loyal customers with good to excellent credit.
Credit Card for Bad Credit: These are card for individuals with a "bad credit" or poor credit history. The card features approval standards geared toward consumers with a less-than-perfect credit rating. Besides easy approval, many offers also feature monthly reporting to major credit bureaus, which in turn can help the cardholder to rebuild his/her credit rating.
Browse for a rewards credit card for bad credit.
Some bad credit cards offer:
* Build or rebuild credit
* Instant Guaranteed Approval* - no credit check, no security deposit
* $0 NO ACTIVATION FEE - when you load your card by direct deposit
* Free Direct Deposit - no more check cashing fees
* Free Online Bill Pay - no need for expensive money orders
* Free Credit Builder† - bill pay transactions are reported to PRBC®
* No Overdraft Fees - no minimum balance required
* Reports to ALL 3 Bureaus
* No Credit Check
* PreApproved Regardless of Credit History
* Special High Introductory Savings Rate
* Bonus credit line
Auto Loan: Get free quotes and apply for a new or used auto loan or for auto refinancing.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings. You are entitled to one free credit report annually.
Debt Counseling: Get your expenses under control with credit counseling, an unsecured debt consolidation loan, debt management or negotiate debt settlement.
Free Credit Offers: Get no obligation, free credit offers plus financial tips to help effectively manage your personal finances.
Home Loan: Free multiple quotes from mortgage lenders. Apply for a new home loan and start building your financial security.
Mortgage Refinancing: 2nd mortgage loan and other types of mortgage refinancing for home remodeling, equity cash out or a debt consolidation loan and more.
Payday Loan: Easy approval bad credit unsecured loan with no credit check, no deposit and no security.
Personal Loan: Submit a short or long term personal loan application (if available), or apply for other secured or unsecured loan offers.
Personal Finance: How to file bankruptcy plus free bankruptcy forms. Create a household personal budget, balance a checkbook register, track expenses and more.
The difference between a merchandise credit card no credit check VS a no credit check department store credit card: The merchandise card provides a line of credit with low monthly payments online shopping with various merchandise from multiple suppliers. The no credit check store credit card; on the other hand, may offer online shopping in addition to in-store purchases, but the realm of merchandise is limited to that offered by the store which brands the card. Hence the online home shopping low monthly payments has the added benefit of more flexibility. Compare the various fees for online credit card catalogs with monthly payments on merchandise, as well as shipping costs and other charges, before you commit to completing an application.
