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Pre-qualify for a credit card. Pre-qualification can have higher approval success than pre-approved card offers, as it is based on your current credit score estimate. You can receive matched suggestions of various offers and compare credit cards which rebuild credit or rewards credit cards with low interest and high limits.


Credit Card application articles and tips


Free credit card search makes choosing a credit card easy. Browse the most popular, best credit cards. For added security against fraud, get a virtual credit card number. Apply for a pre-approved credit card offer based upon your credit history. If you don't know what cards you qualify for, a credit card prequalification service may be best for you by getting soft credit report pulls. Problem credit people should consider a credit card to rebuild credit or to establish credit. If you have no or very bad credit, consider bad credit card offers such as a secured credit card like a prepaid Visa, no credit check cards or other types of a guaranteed card. Or take advantage of special discounts offered by a store gift card. For very high risk people there are options other than a standard unsecured credit card, such as an online guaranteed platinum card for online store purchases, or possibly even qualify for a charge card or a discount card from retail stores like the WalMart card or the Sears card. Prepay credit card offers like a debit card or a bank ATM card. Excellent credit? ewards credit cards have perks such as a 0 intro balance transfer, benefits like a travel credit card that rewards free airline miles, a gas card, or family entertainment offers like the Disney credit card, apply for an unsecured platinum credit card. View current Credit card interest rates. Some cards offer no interest or a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer debt from other cards. Review credit card offers for features you may need such as a spouse joint credit card account. Other special offers include no deposit credit card, business credit card, student credit card and shopping cards like a Christmas credit card. Read the fine print, compare the card benefits, rewards and ratings before you submit an online application. Credit card types include gold credit card and platinum credit card offers: Visa credit card, such as the gold Visa card or the platinum Visa credit card. MasterCard credit card, such as the gold MasterCard or the platinum MasterCard. American Express card, such as the gold American Express card or the platinum American Express card. Chase card, such as the platinum Chase card or a rewards Capital One card. Discover card such as the gold Discover card or the platinum Discover card. Before you apply, review all the credit card facts. Once you get the card right for you, read every credit card statement carefully and request credit card companies to stop credit card mail offers. Browse more credit card resources. Guaranteed platinum credit card unsecured credit line - Some lines of credit are limited to catalog merchandise purchases. 0 interest credit card - Major credit card issuers, such as American Express, Chase, Discover, MasterCard and Visa, offer 0 intro credit cards for an introductory period. Most major issuers also have a Student Credit Card and a Secured Credit Card. Compare perks ranging from free airline miles, rebates, to cash back credit card incentives and other  Benefits of Credit Cards which vary according to the Types of Credit Cards  like a Debit Card, ATM Card or Unsecured Credit Card. Steps on how to Balance transfer credit card debt. Offset gasoline costs with a Gas Credit Card. Earn rewards or cash back on gas purchases from Shell, Exxon, BP and Hess. A Cash Back Credit Card is like having a bank savings account, and you can accrue some fabulous interest by comparison. Understand the universal default interest rate and Avoid credit card rate hikes like those common to some. Credit Cards with Rewards. Make all Credit card bill payments timely. Chase BP Credit Card Agreement. 'Tap & Go' Contactless Payment MasterCard PayPass. Carefully read all Credit Card Fine Print. Tips on how to get Credit Card Approval and using Secured Credit Card Shopping, Small Business Credit Card payment tool for managing business. MasterCard Card Promotions - New MasterCard Programs. MasterCard announces two new promotional programs: "MasterCard Monthly Bonus Sweepstakes", and "Small Business Zero Liability" Visa Contactless Mini Card - Visa created a mini card to make paying faster and more convenient. American Express Membership Rewards - American Express Membership Rewards Program offers unique rewards to members, retail and travel partners. Discover Card Ranking - Keynote Systems ranks Discover Card number one for online customer experience in the credit card industry. Discover Card Fraud Protection - Discover Card was ranked Best-In-Class for online fraud protection service and information. MasterCard Small Business Survey. Discover Card ATM Acceptance - Discover Card is now accepted at more ATMs nationwide. Visa Promotes Small Purchases - According to Visa, the bulk of credit card transactions are for purchases of $25.00 or less. Diners Club Credit Card - Diners Club wins the best Affinity/Charge Credit Card Program 'Freddie' Award. Bank credit card rewards - National City Bank is offering points for everyday tasks such as writing checks, paying bills online and using debit cards. Bonus points are offered for customers who open new accounts or get new loans. Free Credit Card Services - Credit Federal announces new, free credit card services for consumers. Credit Card Survey shows that credit cards are being used more and more, even for small purchases. Major Banks and Credit Card Issuers - According to the American Bankers Association, banks play a key role in financial education. Credit Card Fees - You might not be earning enough value if you are charged transaction fees. Usually credit card rewards are worth 1 or 2 percent of the amount charged. Pre Paid Visa Cards - Visa pre-paid card offers aimed to capture the debit card market. Visa Contactless prepaid cards are available to clients of Meta Payment Systems, MetaBank's prepaid card division. As with all Visa prepaid cards, the Visa Contactless prepaid card can be used anywhere Visa debit cards are accepted. Contactless debit cards offer consumers a secure and convenient alternative to cash and checks. Free Credit Card Tips - Avoid extra fees and high interest rates: Credit Card Use  for maximum score results, or as a one time use credit card purchase. Bill On Credit Card Bills - Proposed legislation would outlaw some credit card billing and interest rate practices that critics say confuse consumers and can push them deeper into debt. Top Credit Card FAQs with basic tips for secured and unsecured credit cards. Debit Cards Lack Credit Card Power - No doubt, debit cards are convenient and popular, but they lack the power of regular credit cards. Compare Credit Cards - Browse and compare credit cards according to rewards, APR interest rates and consumer ratings. Prevent Debit Card Fraud - Because of their convenience and power, debit card holders are potential scam victims. Bad Credit Card Marketing - Bank settles bad credit card marketing allegation of a fee nearly the credit line amount. Where Have Bad Credit Cards Gone - Sub-Prime (Bad Credit) Credit Card Offers seem to be vanishing from the internet. Not Good Credit Cards - Five major credit card issuers come in second to credit union card offers. Credit Card Interest Rate Cut Impact - What impact does the recent federal interest rate cut have on credit cards? New Credit Card Offers - There are new credit card offers; green is now added to silver, gold, platinum and titanium. Credit Card Savings Accounts - Rewards cards offer automatic deposit savings accounts. Poor Credit Card Application - Poor Credit Score? Credit card applications to choose. Baddest and Best Credit Cards - J.D. Power and Associates' ratings of the baddest and best credit cards. Personal Gift Credit Cards - Personal gift credit cards can offer more wow than simply giving cash. Gift Credit Card Shopping - Tips for Choosing the Best Gift Credit Cards for Holiday Shopping. UK Credit Card Rate Increases - More than one UK credit card company is increasing rates and fees. Purchased and Free Gift Cards - Some credit cards offer the ability to earn free gift cards, or you can buy gift cards directly from retailers. Credit Cards and Credit Reports - Certainly credit report scores decide if you get approved for a credit card and the interest rate you will pay, but what about future rate changes? Bad Credit and Credit Cards - While bad credit people can get credit card approval but at higher rates, now even good credit people are seeing interest rate increases. Bad Credit Card Issuers or Bad Practices? Will sub-prime, bad credit cards follow the same path of destruction as the sub-prime mortgages? Credit Card Fair Fee Act - Credit Card Fair Fee Act takes on Visa and MasterCard credit card companies to help business merchants negotiate transaction processing costs. Credit Card Phone Number Directory - Credit Card phone number directory. Directly call a credit card company, toll free. Keep Credit Card Accounts - credit card companies are closing some customers' credit card accounts in an attempt to save money. New Credit Card Company Rules Regulations - The federal government is proposing new credit card company rules and regulations to ensure cardholder fair treatment, particularly bad credit cards. Unfortunately, this may create higher interest costs for good credit people and no credit card offers for poor credit people. Store Charge Cards And Gas Credit Cards - Some people don't want; or don't qualify for, regular unsecured credit cards, and choose store charge cards and gas credit cards instead. Here are free tips for using them. Tips for Using Store Charge Cards and Gas Credit Cards. Negotiate Credit Card Interest Rate - If you've been a good customer with your credit card company, you can negotiate a lower credit card interest rate. Gas Credit Card Rewards - Gas credit card rewards can offer some relief via cash back.. Best Credit Card Benefits+Rewards - many of these go unused by cardholders. ATM Debit Card Fraud Tips - In support of ATM & Debit Card Safety Awareness month, PULSE; a Discover card product, offers tips on ATM and debit card use for privacy protection and to prevent fraud. Instantly Approved Pre Pay VS Platinum Rewards -  Before you compare perks and benefits, first weed out cards that may not help you. Subprime Credit Card Lawsuit - The Federal Trade Commission (FTC) files a lawsuit against CompuCredit and Jefferson Capital for its marketing of a subprime credit card. Avoid Over Limit Fees - ways to prevent going over-limit. Credit Card Secrets - Hidden facts you probably didn't know.. Credit Card FAQs - Common questions turned into credit card facts. Your Credit Card Rights - new credit card rules that eliminate several unfair practices in the credit and banking industry.. Cancel Credit Card Account - Before you cancel credit card accounts, read this article. Close Credit Card Account - Free sample letter on how to close credit card accounts. Credit Card Application - Browse for the secured or unsecured credit card that has the Best Credit Card Rate for you. Extra Joint Spouse Credit Cards - In addition to having a joint spouse credit card, there are occasions when you may want to have extra credit cards for rewards or other perks. Submit your good or bad credit card application online. Credit Cards Vs Checks - more companies plan to increase use of business credit cards instead of paper checks for making payments.Student Credit Card Advice - prevent high balances and to get a good credit score. Bad Credit Card Rap - Credit cards suffer a bad rap, much of which is undeserved. There are both good and bad credit card features. Federal Credit Card Survey Ratings - credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback. Credit Card Interest Rate OptOut - If your credit card issuer has notified you that your card's interest rate will increase even though you don't have bad credit, you could negotiate a lower rate, optout completely. Really Free Credit Report with No Credit Card - one website offers a truly, really free credit report with no credit card required. Gas Cards with Rewards - Some gas cards with rewards include cash back when consumers charge for fuel or other auto related expenses. Sample Credit Card Dispute Letter - Print this free, sample credit card dispute letter to send to your card company. Apply For A Balance Transfer Credit Card - advice on what to look for before submitting your application. Canceling Credit Cards Causes Bad Credit - Canceling credit cards could cause bad credit if you reduce your credit history and available credit limit. Credit Card Interest Rate Rights and Options - If your issuer notifies you of a credit card interest rate increase, can you reject the higher rate? Learn your options and rights. How To Qualify for Credit Cards and rebuild bad credit. Joint Credit Card Accounts - Most gold and platinum unsecured credit cards offer an additional spouse card. No Fee Free Credit Card Offer - Is it really a no fee, free credit card, or only free if certain terms and conditions are followed? Credit Card Holder Rights Act is to protect you. Best Credit Card Deal Gone Bad - Chase; considered by many to have offered one of the best credit card deals for people carrying a large balance, has reneged on an agreement and upset card members.. Credit Card Opt Out Agreement - Does your issuer offer a credit card opt out agreement? Federal Credit Card Survey Ratings - Bi-annual Federal Reserve System ratings survey of plan terms offered by financial institutions and credit card issuers. The credit terms include type of plan; variable or fixed interest rates as well as other credit card rewards such as purchase discounts, travel points and cashback. Choosing the Lowest Interest Rate Unsecured Credit Cards - Free tips on choosing the lowest interest rate unsecured credit cards, from gold to platinum rewards. Credit Card Limit Cut - Was your credit card limit cut? Your options, and why government law pushed your credit card company to cut your max limit. Chargeoff Credit Card Debt To Avoid Bankruptcy - chargeoff credit card debt either yourself for free or by hiring a debt settlement company to negotiate on your behalf. Settle Credit Card Debt - Many have maxed out several credit cards and the late fees and high interest rates are getting them deeper in debt. Credit Card Medical Bill Payment - some people make medical bill payments with a credit card. Close Credit Card Account - instructions how, to close credit card accounts and the letter to send to the credit card company. Who Pays Joint Credit Card Account - Options to cancel a joint account or to remove a spouse name from a joint account, including payoff and negotiating a debt settlement. Best Credit Card Company - Whether you want a secured or unsecured credit card for bad credit or excellent credit, first review the best credit card company ratings before you submit your online application. Cancel Credit Card Advice Question - what do you do if you dispose of credit cards before canceling them? Credit Question: ATM Debit Card Tips for Secure Handling - Review our free ATM debit card tips for secure handling of your card and withdrawals. What is a credit card chargeoff - Typically a charge off is when a creditor, bank, or bill collector writes off a balance as "bad debt" because they believe they can't collect the debt. ATM Debit Cards and Rebuilding Credit - Facts and benefits of Debit Cards and how a credit card can rebuild credit. Balance Transfer and How to get the Best Credit Card Deal - Read our article before you balance transfer debt, and learn how to get the best credit card deal. Balance Transfer Credit Card Offers, Tips and Advice - Get the maximum benefit of 0 intro balance transfer credit card offers by reading these free tips and advice. New Credit Card Account Advice - Free credit card account advice about the rates and fees for new card offers before you submit an application. Bad Credit Card Application Advice - consider banks and credit card companies that specifically offer subprime cards to rebuild credit scores. Advice to Rebuild Credit with a Credit Card - Use the card to make small purchases that can be paid in full each month. Secured Prepaid Cards and Unsecured Credit Cards - There are a lot of choices and variables to choose from. Credit Card Deals and Education - With credit card education you will be best able to choose the right deals for you. Christmas Credit Card Shopping - Get shopping rewards through special Christmas credit card offers. Christmas Credit Card - Christmas credit card and shopping tips. Best Christmas gifts are low interest credit cards. What is Worse than a Credit Card? - Cellular phone companies have far worse negative impacts on consumers' finances. Credit Card Comparison Guide - Review introductory interest rates and special rewards offers to help you choose. Good or Bad Credit Card - Credit card issuers are trying to change their image from bad to good. Tips Before Submitting Credit Card Applications - Credit cards serve as a very important factor to obtain good credit if you pay off your balance monthly. Platinum Credit Card Prequalification - Why is a platinum credit card only for good credit people? Read our credit card article to learn about prequalification. Choosing a credit card right for you. - Article: Choosing a Credit Card Offers - which is best and best for you? Not only are there different issuers, there are many different types of credit cards, so how do you choose a card that's right for you? Prepaid Credit Card - Apply online, and learn he Benefits of a Pre-paid Credit Card. Read our free article: No Deposit Credit Card - No deposit credit card: Apply online, and read our credit card article. Preapproved Credit Card - Learn what is a preapproved credit card and apply online. You may already be pre-approved. Read our credit card article: What kind of card can I qualify for? - Have a difficult time choosing a credit card so you just apply for a lot of cards? Don't jeopardize your credit score and make bad credit even worse. Why People Choose Credit Cards - People choose credit cards because the benefits can outweigh the bad. Credit Card Error Codes: Response Reason Codes and Response Reason Text - This transaction has been approved. More Easily Understand Credit Card Agreements - developed a shorter, simpler credit card agreement that spells out the terms for the consumer. Get Out of Christmas Credit Card Debt - advice on how to payoff, consolidate or to Chargeoff Christmas credit card debt. Credit Cards VS Charge Cards Which Is Better - there are important differences. Should I pay off my credit cards or my car loan first? Which option would save me the most money? - In most instances, focusing on paying off credit cards vs auto loans not only saves you more money, but may also help improve credit more, too: Bad Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner and I don't qualify for a debt consolidation loan. Is there a way I can get a bad credit loan to pay off credit card debt? Democrats Allow Higher Credit Card Fees - The Consumer Financial Protection Bureau acknowledged its proposal would increase costs for some cardholders and allow banks to charge more in fees. New Jersey Democrats To Hijack Idle Gift Card Balances - Democrats of New Jersey are eye-balling the unspent balances of their state residents' gift cards.What is the difference between a charge card and a regular credit card? - Charge cards are a type of credit card that require you to pay the full amount you've charged each month. There are no periodic finance charges, and charge cards often come with rewards. Use Extra Money to Payoff Credit Card Debt or Put in Savings Account - I came into enough money to payoff my credit cards. What should I do. Payoff credit card balances or put that money into a savings account? Credit Cards by Credit Score Rating -  Instead of wasting time submitting multiple applications, review credit score requirements and use a credit card matching service. Can a Credit Card Company Place Lien on Property? - Actions a Credit Card Company or Other Lender can take Against You for Default Non-Payment: Civil Court Law Suit. Be a Smarter Credit Card Comparison Shopper - There are fabulous card offers out there, but don't fall victim to glitz and hype. Most Popular Credit Cards - Review the best credit cards for gas purchases, sky miles, travel and balance transfers. Getting Your First Credit Card - Common mistakes to avoid. Credit Cards for Travel Benefits Abroad - If your vacation leads you overseas, compare the best credit cards for traveling abroad. Add Child as Authorized User on Credit Card - Is it wise to add a child as an authorized user on your credit card? Vacation Travel Credit Cards - which travel credit card to pack along for hotel, motel, airline sky miles and other rewards. Capital One Credit Cards for All Credit Scores - Whatever your credit history, Capital One has a credit card (or secured card) for you. Student Credit Card Use Tips - How student credit cards should be; and should not be, used: Best Credit Card for Gas - The single, best credit card for gas and travel, meets two predominant requirements: the card which best meets your needs, and the one which you qualify for. Are Paperless Credit Card Billing Statements Better - consider the cons. Advice for Common Credit Card Problems -  If your credit card interest rate goes up... You can do one of four things. First Credit Card Application - Advice for submitting your very first credit card application, receiving and understanding important issues before making your first purchase charge. Affects of Maxxing Out Credit Cards - Although you may be aware that the issuer may charge an over-limit fee, many people are ignorant as to how this impacts other financial areas. First Time Credit Card and Loan Applicants - How first time credit applicants get approved for credit cards and loans. Retail Credit Card Rewards - There are plenty of store cards, yet weigh all retail credit card rewards, terms and conditions before you apply. Types of Banks for Credit Cards and Business or Personal Loans - A retail bank is a bank that works with consumers. These banks provide basic banking services to the general public, including:* Checking and savings accounts* CDs* Safe deposit boxes* Mortgages and second mortgages* Auto loans* Unsecured and revolving loans such as credit cards Save Money with Back to School Credit Card Rewards - Take advantage of back to school credit card rewards to save money on student expenses.. 0 Intro Credit Card Reviews - The longest 0 introductory credit card offers. How to Choose a Credit Card for Christmas - With so many variables in interest rates, points, rewards, introductory periods, balance transfer programs and the confusing terms, it's no wonder it's difficult to choose. How to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go into the holidays with debt already on your credit cards, and then adding yet more charges. Get out of Credit Card Interest Reduction Scams - The FTC requires credit card interest reduction companies to not charge a fee until after the service is performed. Reverse Credit Card Payment - How to Reverse a Credit Card Payment Charge with your card company issuer or with the merchant seller. Credit Card Grace Period Explained - You know what it is yet you may be surprised by what you don't know. General Financial and Credit Card Account Sharing - There are pros and cons involved with general finance and credit card account sharing, yet mostly negative.  Manage Credit Card Accounts - There's the wrong way and the right way to manage credit card accounts to save money and protect scores. Credit Card Company Complaints - Credit Card Companies with the Most Complaints. Credit Cards that Benefit Animals - Best Friends Animal Sanctuary - Chase Bank offers an affinity credit card that benefits the Best Friends Animal Sanctuary. Student Credit Cards - First thing you need to determine is what cards you qualify for. What is Credit Card Blocking - when a company reserves a certain amount of money against your credit card limit. Charge Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card Debt Yourself. What Happens After You Swipe Your Credit Card - what happens after you swipe your credit card in the machine. How to get every cent from Gift Cards - Don't leave money on gift cards. Credit Card Limit Lowered - What to do if your credit card limit is lowered by your issuer. Credit Cards that can Only be Used for Gas - cards that can only be used for gas purchases. Hidden Credit Card Benefits - The best hidden credit card benefits are the ones right in your face. Free Credit Card Money - How rich people get free credit card money . How Using Credit Cards Affects Credit Score - Credit scores consider both your total balance to limit ratio (also called the utilization rate), and your balances as compared to the limits on each account. USAA Credit Cards - Compare Cards which offer low rates, rewards, military benefits and no annual fees on select cards. The Affects of Just One Credit Card Late Payment - Beware the affects of just one late payment on a credit card.  Price Match Credit Cards - Price match credit cards may not be a new offer, yet it can save you plenty of money. Debit Card User Warning - Using a debit card is not as safe; and protected, and using a credit card. Credit Card Cautions - so you can enjoy the very best of your card. Credit Cards that Increase Limit for Spending - Selection of credit cards that increase limit for spending on everyday purchases. Car Rewards Credit Cards - With an auto rewards credit card, you can earn points to use toward the purchase of a new car. Places Not to Use a Debit Card - Here are very risky places not to use a debit card for purchases. Retail Store Credit Cards Non Expiring - Some retailers are doing away with expiration dates for their store cards. Credit Card Company Free Credit Scores - You may get totally free credit scores from your credit card company. Credit Card Benefits and Perks - Credit card companies offer less advertised perks and other benefits to cardholders. READYdebit(R) Platinum Visa(R) Prepaid Card - Review Issuer Comments. Quicksilver Cash Rewards Credit Card Benefits - earn unlimited cash back with no annual fee Dispute a Billing Error to Credit Card Company - How to Dispute a Billing Error to Your Credit Card Company, including American Express, Chase, Citi, Discover, MasterCard, Visa, USAA, Bank of America, US Bank, Capital One, Wells Fargo, HSBC Bank and PayPal. How to Report Lost or Stolen Credit Card - Emergency contact telephone numbers to report lost or stolen credit cards, ATM or debit cards. First Time Credit Card Applications to Build Credit - Review first time credit card applications that help build credit. How to Compare Credit Cards - by Reviewing Terms and Conditions, Interest Rates and Rewards What is Credit Card Churning - It's earning rewards for submitting credit card applications. CashBack Rewards TD Credit Cards - Review TD Credit Cards Offering CashBack and Rewards Credit Cards that do Soft Pulls - Credit Cards that do Soft Pulls with No Credit Check Credit Cards that make You look Rich - the sound of a metal card is almost like a trumpet blowing, announcing the King has arrived. PrePaid Credit Card Fees - Review Fees and Issuers Offering No Fees. Guaranteed Credit Card with High Limit - for Bad Credit People Unable to Qualify for Standard Unsecured Cards Credit One Bank Cards - Our cards are even available to those who have had credit problems in the past and those who may have little credit history. Credit Cards You Can Use Right Away - immediately after applying. Most Costly Credit Card Perks and Rewards - Decide if the Fees are Worth it. Spot and Stop Credit Card Addiction - Are you truly poor or do you have a charging problem? How to spot and stop credit card addiction.

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Partially Secured Credit Cards

A partially secured credit card is a credit card that uses a Security Deposit to secure a credit card. The Security Deposit is used to obtain a slightly larger credit line. For example; The credit card listed below requires a $150 Security Deposit and is issued with a credit limit that is greater than the amount of the Security Deposit. Partially secured credit cards are a step between a secured and unsecured credit card. 

How does a partially secured credit card differ from a secured card?

While secured credit cards give you a line of credit equal to an amount you deposit or just slightly higher, a partially secured card usually works on a 50-50 basis for individuals with mediocre credit ratings. You make a deposit and your bank gives you a credit line equal to double the amount of this deposit.

For example, if you deposit $500 you will be given a credit line of $1000. With these types of cards, the bank has the added security of knowing they can use your deposit if you fail to make your monthly payment. Many individuals that have damaged their credit through high debts or defaulting on balances can get a secured or partially secured card when they cannot get a regular credit card.

Cons of partially secured credit cards: As with any credit card, there are some potential drawbacks to partially secured credit cards. These cards often have high interest rates and many fees that add up to a lot over time. Fully secured credit cards often have lower rates and fees. If you have difficulty living within your means, a partially secured credit card can still get you into debt trouble. The main purpose of these cards should be to make only small purchases to build credit and pay off your credit card every month in a timely fashion. If you are unable to do this, you will not only fail to restore your credit, but you could harm it further.

Pros of partially secured credit cards: If you have no credit or poor credit, getting a partially secured card will be easier than qualifying for an unsecured card. Additionally, if you plan to make large purchases, a partially secured credit card will give you the flexibility to make purchases without worrying what your current deposit balance is at any particular moment. Retailers have no way of knowing if the card you use when making purchases are secured or not. Finally, if you are practicing responsible money management, a partially secured credit card will help you stay on top of what you spend.



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Aspire Gold Visa® Card - No security deposit. Unsecured Visa® Card. Low minimum monthly payments. Special Visa deals for cardholders. Rebuild poor credit. Poor credit or bad credit OK. Joint credit card available. Aspire Gold Visa® Card is designed for those that only need the basic functions of a credit card. The annual fee applied to new accounts is $150. There is also an account opening fee of $29 and a monthly maintenance fee of $6.50, which amounts to $78 per year. The total amount of standard fees (not including penalty or default fees) is $257 for the first year. The card offers high interest rates, and all of the variable interest rates have minimum caps, so no matter how low the Prime Rate drops, the interest rates on the account will not go below the stated minimum caps. Therefore, if you can afford to pay in full each month, do not mind paying the various fees associated with the card, have a limited credit history, and do not plan to carry a balance, this card may be a reasonable option.


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Apply online for an Aspire Visa® Card and begin rebuilding your credit today. Complete the application and receive an instant online response. Get the credit you deserve.

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No security deposit
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Browse and apply for a gold credit card by major issuer.

Visa credit card offers: Visa Classic, Visa Secured, Visa Gold Credit Card, Visa Platinum Credit Card, Smart Visa Cards, Visa Signature Card and Reward Cards

MasterCard credit card offers: The MasterCard, Gold MasterCard, Platinum MasterCard and World MasterCard

American Express credit card offers: Personal Card, Rewards Green Card,Senior Member Card, American Express Student Card, Gold Card, Platinum Card, Blue from American Express, Blue Cash Card, Blue for Students

Discover Card offers: Discover Miles Card, Discover Gold Card, Discover Student Card, and the Discover Gas Card

Prestige Gold Card (no longer available): Designed for those with poor to limited credit who would like to establish credit by participating in the optional credit-building program. Those who become active members of the optional New Horizons Gold program will be glad to know that transactions will be reported to credit bureau(s) as an unsecured credit card.


Get the latest Visa credit card information or search for other Visa credit card offers.

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The perks and rewards for credit cards are gearing up, one example is that Discover offers a way for members to redeem cash back bonus rewards for All-Star game tickets. They are offering ways for their cardholders to use cashback bonuses to buy tickets to the Honda NHL SuperSkills® on January 29, the NHL Fan Fair(TM), and the NHL® All-Star Game gift bag, of course it is important to read all the details about this on their website. Discover seems to find ways to give their members rewards so they can have good benefits for using their Discover cards for purchases. 


Discover Financial Services recently announced they completed their acquisition of The Student Loan Corporation, SLC, the private student loan business and other assets totaling over four billion dollars. This puts Discover in the private student loan market with other top private student loan companies. This will allow them to help students and their families afford a college education.


Finding the right credit card can be easy, for example, decide what is desired in the way of benefits before beginning to choose a card. Some people like a card that simply offers cashback or those who must travel weekly may desire a card with travel or hotel perks. Being able to actually use perks and bonus rewards helps card members get the most from the money they must spend. Someone who never travels would not benefit from having a card that only offers travel incentives. Review your card benefits to decide if you need to apply for a different type of Discover card to be able to get the most as a cardmember.

Personal Loan to Pay Bills: Many consumers have those times when they do not know how bills will be paid before their payday arrives. They fret over late fees that will be charged for paying debts late or even for having to pay over draft fees due to spending more than what was in a bank account. However, it can be less to pay the fees for some payday loans than to pay the fees for one bounced check, which can be as much as $39. A decision usually must be made fast concerning how to handle bill collectors and late bills. Some bills that are not paid on time, could mean the electric or gas power will be cut off, and that is certainly one bill that needs to be paid on time. There is a popular option that many people choose, and that is to get approved for a payday personal loan. Even bad credit people have a chance to get approved with some fast cash lenders.


Circumstances arise each and every day like an auto breaking down or an unexpected medical bill that requires money. The possibilities for needing money fast are endless. However, getting cash when personal credit is bad can be difficult if not impossible through a local bank. This is when a cash advance service or payday lender can be the next choice. They usually specialize in helping people who are struggling through a tough economy and have bad credit or no credit. Living paycheck to paycheck is not fun, when there emergencies that require money fast. For those with less than perfect credit, there are many options to apply with online lenders for a short term.


Many lenders have reasonable fees and have respect for customers. Some offer an instant no fax payday loan and some require a fax. Some will do a credit check while other payday loan companies do not require credit checks. There are many choices with different rates, fees, terms, and conditions. The application process online can be completed within minutes and often processed within hours due to less paperwork. It is important to compare the information among lenders and apply with the one with the requirements you prefer. Pay back dates can vary and whether or not the loan can be extended may vary among lenders. When the loan is not paid off by the due date, there are usually extra fees, be sure to check out those details. It is always best to review any and all information for loans before applying.

Unsecured Personal Loans: Unsecured personal loans are short term loans that have no collateral requirement. They may be referred to as signature loans, payday loans, cash advances and paycheck loans. It is a loan that can provide people with money to pay unexpected bills, or most anything a person desires. Qualifying is not very hard, but each lender has certain requirements.


Cash advances require that applicants be at least 18 years of age, other requirements could be to have a steady job, or a current checking or savings account. For people who need money and meet the conditions, it is highly likely to get approved. It takes only a few minutes to complete an online form, and applicants may be able to get approved in just minutes. Consumers can apply for a couple hundred dollars up to $1500. There are hundreds of reliable lenders online, ready to take applications.


Americans are borrowing from cash advance companies every day when they have a cash shortage. Whether it is the result of a medical emergency, a birth, a wedding, needing money to hire a lawyer, pay a speeding ticket, go on vacation or for auto repairs. Those who need money to buy groceries or to pay a utility bill, are able to find a loan without going to the bank to spend hours trying to get approved. When a bank will not loan money, this is one loan that may give the needed cash fast.


Consumers often use the same lender, and borrow money several times a year. Using these loans online can prove to be the most convenient method. It can be done in the comfort of your home, and it is easier to compare terms among all the resources. Rates can vary and they can have excellent terms available. Charges can range from $15 to $20 for each $100 that will have to be repaid. Some lenders may not approve people who have filed for bankruptcy within the last year. Review any information on the website before applying.


Applicants usually provide details such as name, address, phone number, and job details. To have money deposited, companies require a checking or savings account. Once approved, the person can get their notice fast through email or a phone call. Funds that can be transferred into an account, and it can be done electronically within a few hours or within a day. Customers have different payment options, for example, they may choose to pay off the loan in full on the due date, before the due date, or even extend the loan. Another option may be to have the loan amount withdrawn electronically on the due date.

Credit Card


The year started off with much gloom, with card offers having higher fees and not many perks. That is changing as incentives are picking up in the way of credit card offers. One indication is even the young are getting card offers in mailboxes. Credit card solicitations are tracked and it has been estimated that over two billion were sent out last year, that number appears to have increased about sixty percent since 2009. More reward programs and incentives are going to lure in new customers for big companies.


Expect good cash back offers and better perks in the way of travel cards for this coming year. Along with better offers and the fact that the new federal rules are being managed just fine by credit card companies, will lead the way for cardholders and issuers. Discover has a five percent cash-back bonus for purchases in specific spending categories and more for spending online, it is worth the time to check out the Discover card offers. For people with good credit, who must travel frequently, there may be even more perks and bonus offers. Compare cards as some may not have annual fees.


Prime rates may increase making some people worry about card interest rates, but even so, there will be low fee offers just due to the competition. Along with a recovering economy will come an increase in rates. There will always be some card offers for zero percent balance transfer people, who have the best scores. Many consumers can take advantage of cards with good introductory rates or low fees. Some cards may offer a small rate for a couple of years, and issuers will need to be creative in marketing their offers. Balance transfer fees can vary and fees for cash advances, be sure to compare card offers as they may offer more benefits in the future.

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