Guaranteed platinum credit card - online instant approval and no turndown.

  Guaranteed platinum credit card - online instant approval and no turndown.


*Guaranteed platinum credit card. Bad credit? Get a *guaranteed platinum credit card with online instant approval and no turndown.  Make purchases with a merchandise platinum card.

    

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BuyRIGHT is RIGHT for you!  The BuyRIGHT Prepaid MasterCard® Card can be used wherever Debit MasterCard® is accepted, at millions of merchant locations and over 900,000 ATMs worldwide.

  • Guaranteed Rewards- you can pick iTunes, RedBox, Cash, Starbucks and More!

  • First cash load absolutely FREE at any GreenDot location.

  • FREE Direct Deposit, Online bill pay, Earn rewards.

  • No credit check, 100% approved!*

  • No bounced check fees or overdraft fees, EVER!

  • Travel, Rent Cars, Reserve Hotels, Shop online safely!

  • Unbelievable Customer Service!

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  

UPside Prepaid Visa works like a checking account. Write personal checks online. Free direct deposit. FDIC.

* No credit check needed. No activation fee.
* $0.99 monthly fee if you load $500 in the month (Reg. $4.95).
* Free Direct Deposit from your employer or benefit provider.
* Load cash at 50,000 retailers nationwide.
* Write personal checks online.
* Earn cash back points
* This is not a credit card but a prepaid reloadable debit card.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  


   

Green Dot Gold Prepaid Visa Card
* FREE $0 Activation Online - with NO credit check!
* FREE Cash withdrawals at over 15,000 participating ATMs
* FREE Online Bill Pay & Direct Deposit
* NO Monthly fee for any month with at least 30 purchases
* NO Transaction fees on US purchases
*See Card Terms and Conditions

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Baby Phat Prepaid Visa® RushCard
* FREE Online Money Tools - Powerful, FREE online money tools help you plan a budget, monitor your progress, and review your spending.
* FREE RushPath to Credit - Build your credit history every time you pay your rent, utilities, and other bills when you activate this optional service.
* Rush Bill Pay - A convenient way to pay anyone online. Pay your rent, utilities, even the babysitter, electronically or by check.
* FREE RushText Alerts - Get instant access to your balance, deposit, and recent transaction information on your mobile phone for FREE. *standard carrier charges may apply.
* Card-to-Card Transfer - Send money to any of your friends and family members who have a RushCard, or transfer funds between your own personal cards.
* FREE Prescription Discount Card - Save money by getting discounts on prescription drugs for you and your family. Enroll for FREE.
* FREE Customer Service - Member Services Representatives are always here to help - 24 hours a day, 7 days a week.
* Refer-a-friend - Get paid $5 for every friend you refer who becomes an active RushCard member.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

BillMyParents- Teen Debit Card
* No credit checks & no credit risks
* Instantly lock & unlock the card
* Safer than cash with lost card protection
* Lower fees than bank cards
* Reloadable means easy allowances
* Family and friends can load it
* Use anywhere Debit MasterCard is accepted

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Black Diamond Prepaid Visa® RushCard
* FREE Online Money Tools - Powerful, FREE online money tools help you plan a budget, monitor your progress, and review your spending.
* FREE RushPath to Credit - Build your credit history every time you pay your rent, utilities, and other bills when you activate this optional service.
* Rush Bill Pay - A convenient way to pay anyone online. Pay your rent, utilities, even the babysitter, electronically or by check.
* FREE RushText Alerts - Get instant access to your balance, deposit, and recent transaction information on your mobile phone for FREE. *standard carrier charges may apply
* Card-to-Card Transfer - Send money to any of your friends and family members who have a RushCard, or transfer funds between your own personal cards.
* FREE Prescription Discount Card - Save money by getting discounts on prescription drugs for you and your family. Enroll for FREE.
* FREE Customer Service - Member Services Representatives are always here to help - 24 hours a day, 7 days a week.
* Refer-a-friend - Get paid $5 for every friend you refer who becomes an active RushCard member.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Black Prepaid Visa® RushCard - Original
* FREE Online Money Tools - Powerful, FREE online money tools help you plan a budget, monitor your progress, and review your spending.
* FREE RushPath to Credit - Build your credit history every time you pay your rent, utilities, and other bills when you activate this optional service.
* Rush Bill Pay - A convenient way to pay anyone online. Pay your rent, utilities, even the babysitter, electronically or by check.
* FREE RushText Alerts - Get instant access to your balance, deposit, and recent transaction information on your mobile phone for FREE. *standard carrier charges may apply
* Card-to-Card Transfer - Send money to any of your friends and family members who have a RushCard, or transfer funds between your own personal cards.
* FREE Prescription Discount Card - Save money by getting discounts on prescription drugs for you and your family. Enroll for FREE.
* FREE Customer Service - Member Services Representatives are always here to help - 24 hours a day, 7 days a week.
* Refer-a-friend - Get paid $5 for every friend you refer who becomes an active RushCard member.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

BuyRIGHT Prepaid MasterCard® Card - can be used wherever Debit MasterCard® is accepted, at millions of merchant locations and over 900,000 ATMs worldwide.
* Guaranteed Rewards- you can pick iTunes, RedBox, Cash, Starbucks and More!
* First cash load absolutely FREE at any GreenDot location.
* FREE Direct Deposit, Online bill pay, Earn rewards.
* No credit check, 100% approved!*
* No bounced check fees or overdraft fees, EVER!
* Travel, Rent Cars, Reserve Hotels, Shop online safely!
* Unbelievable Customer Service!
*See website for complete terms and conditions of card usage and application disclosure

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

First Progress Secured Platinum MasterCard« credit card
* Full-feature Platinum MasterCard secured credit card
* No credit history or minimum credit score required for approval
* Monthly reporting to all 3 major credit bureaus to establish more credit history
* Quick & complete online application
* Secured by your deposit of $300 - $2,000
* 24/7 access to your account online
* Deposit held at FDIC-insured bank

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

FlexCard
* Ultimate credit building PREPAID card.
* $1,500 cash advance
* Up to $10,000 in un-secured credit used at Creditbuildingstore.com
* The best credit building Visa Card available

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Horizon Gold Card - You are Guaranteed to Receive a Horizon Gold Card with a $500.00 Credit Limit!*
* $500.00 Credit Limit!
* Guaranteed Approval!
* No Credit Check!
* Fast Online Application!
* No Employment Check!
* Reports to Major Bureau!
*See website for complete terms and conditions of card usage and application disclosure.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

MangoÖ Prepaid Debit Card
* FREE MasterCard Prepaid Card Signup & FREE Shipping
* FREE Direct Deposit + Get $20 Signup Bonus
* Earn High Savings Interest Rate!
* No fee Domestic Purchase/Signature Transactions
* Pay your Bills in minutes from your online account
* Instant Virtual Card - Shop Online Today
* No Fee to Check Your Balance With a Text Message
* Wireless Alerts when your card is swiped

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Open Sky Secured Visa« Credit Card
* No Credit Check for Approval
* No Checking account required
* Reports to All 3 Major Credit Bureaus!
* All Applications considered
* Quick and easy online application
* 4 Ways to Fund Your Card
* Accepted Everywhere you see the Visa Logo
* Choose your own Credit Limit $200-$3000
* Fast Rush Shipping
* FREE 24/7 Online Account Access 

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

PEX Visa« Prepaid Business Card
* Instantly Fund Employee Purchases
* Gain 24/7 Control Over Where and How Much Employees Spend
* Save Money - No Surprise Interest Charges or Overdraft Fees
* Monthly Reporting
* Worldwide Card Acceptance

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Platinum Zero« Secured Visa« Credit Card from Applied Bank«
* ZERO - 0% FIXED APR on Purchases - No Intro Rates!
* ZERO - 0% Rate Won't Change - Even If You're Late! 
* ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
* ZERO Application Fees 
* ZERO Worries - FREE Personal ID Theft Protection
* ZERO Delays - Timely CREDIT Bureau Reporting

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Purple Diamond Prepaid Visa« RushCard
* FREE Online Money Tools - Powerful, FREE online money tools help you plan a budget, monitor your progress, and review your spending.
* FREE RushPath to Credit - Build your credit history every time you pay your rent, utilities, and other bills when you activate this optional service.
* Rush Bill Pay - A convenient way to pay anyone online. Pay your rent, utilities, even the babysitter, electronically or by check.
* FREE RushText Alerts - Get instant access to your balance, deposit, and recent transaction information on your mobile phone for FREE. *standard carrier charges may apply
* Card-to-Card Transfer - Send money to any of your friends and family members who have a RushCard, or transfer funds between your own personal cards.
* FREE Prescription Discount Card - Save money by getting discounts on prescription drugs for you and your family. Enroll for FREE.
* FREE Customer Service - Member Services Representatives are always here to help - 24 hours a day, 7 days a week.
* Refer-a-friend - Get paid $5 for every friend you refer who becomes an active RushCard member.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Vision Premier« Prepaid Visa« Card
* No Credit Check - Complete the form and we'll mail your card
* Free Roadside Assistance
* 1% Cash Back on Gas Purchases
* Free Savings Account with 5.65% APY
* Free Unlimited Purchases - Signature and PIN
* Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
* No Debt, No Interest Charges and No Overdraft Fees

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Vision Silver(SM) Prepaid MasterCard«
* Perfect Card for Government/Benefits Checks Recipients
* $0 Activation with Rebate*
* 100% Guaranteed Approval*/No Credit Check
* Free Direct Deposit of Your Pay or Government Check
* Free Unlimited Purchase Transactions Anywhere Where MasterCard Debit Card is Accepted
* No Overdraft Fees or Minimum Balances
* Online Checking - Electronic or Paper Checks

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Western Union« MoneyWiseÖ Prepaid MasterCard«
* Free Activation
* Fee-Friendly prepaid card with nothing to hide!
* Add money to your account 4 convenient ways
* Spend only the money you have on your Card
* Your funds are protected by MasterCard's Zero Liability Policy

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Wired Plastic« Prepaid Visa« Card
* Accepted everywhere VISA debit cards are accepted
* No Credit Check, Income requirements or bank account required
* On Demand Alerts - Manage your account via text messaging
* FREE Online Access to Account
* FREE Mobile Alerts - Text to your mobile and email
* FREE Rewards Program - Earn 1 point for every $1 spent
* NO Bounced Check, NSF or Overdraft Charges EVER!
* FREE Direct Deposit - Eliminate check cashing fees

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

YAPÖ MasterCard Prepaid Card
* Send and Receive Money Securely With Your Mobile Phone
* FREE MasterCard Prepaid Card & FREE Shipping
* FREE Instant Virtual Card - Shop Online Today!
* FREE Direct Deposit
* FREE Unlimited Purchase/ Signature Transactions
* FREE Check Your Balance With a Text Message
* $0 Activation Fee
* $0 First Monthly Fee - Try it For FREE

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Vision Premier® Prepaid Visa® Card
* No Credit Check - Complete the form and we'll mail your card
* Free Roadside Assistance
* 1% Cash Back on Gas Purchases
* Free Savings Account with 5.65% APY
* Free Unlimited Purchases - Signature and PIN
* Free Direct Deposit: Get Paychecks, Benefits and Tax Refunds Faster
* No Debt, No Interest Charges and No Overdraft Fees

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Capital One® Secured MasterCard®
* Get the credit you need with no processing fees or application fees
* Automatic reporting to the 3 major credit bureaus
* Track credit with access to your credit score and other tools
* Your refundable security deposit can get you a line up to $3000
* You may qualify for credit line increases with no further security deposit required
* Use it like any MasterCard credit card, accepted at millions of locations worldwide

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Bank Freedom Platinum Visa Prepaid Card - A great alternative to a checking account, apply for your Bank Freedom Platinum Prepaid Card Account now.
* No credit check
* No Chexsystem verification
* 100% Guaranteed approval
* Free unlimited ATM withdrawals at over 20,000 MoneyPass nationwide locations
* Free 24x7 Live customer service
* Free account alerts and paper card statements
* $10.00 or $0.00* Monthly maintenance fee - every month you load $2,000 or more the fee is $0.00

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

Exact Prepaid MasterCard
* No credit check
* No bank account required
* 100% Guaranteed approval
* No interest
* No late fees
* Have your payroll checks, dividends, disability and government checks (i.e. Social Security, Medicare, Welfare, etc.) deposited directly to your EXACT Prepaid MasterCard account for FREE. Your funds are available the same business day they are received.
* The EXACT Prepaid MasterCard is accepted anywhere MasterCard debit cards are accepted, worldwide. Whether you enjoy staying close to home or traveling abroad you can use your EXACT Prepaid Card to make all your purchases.
* Reloadable online or at 100,000 locations - Convenient loading locations (including PayXone, MoneyGram and Western Union).
* Up to $5,000 balance limit
* Mobile and email alerts
* Online Account Management
* Live customer service - To better assist you, we provide a live customer service line. Call us at (801) 924-1755

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  



   

NetSpend Prepaid Card - A NetSpend Visa Prepaid Card is your ticket to a faster, hassle-free way to manage your money. It puts you in control because it's powered by your cash. It is also often a cheaper alternative to costly credit cards and bank accounts. There are no finance charges, no credit card debt, no minimum balance, no credit bureau check and no surprises! This NetSpend Card works just like a bank-issued debit card, only better. First, you'll need to load money onto your prepaid card. Then you'll be able to make purchases in stores, shop on the Internet, and pay your bills. You're even protected if your card is ever lost or stolen and your money is FDIC insured. Once you receive and activate your new NetSpend Card, you'll be able to select a fee plan based on how often you use it. 
* Account Access Anytime, Anywhere
* Security and Protection
* NetSpend Premier®
* Online Bill Pay
* Referral Program
* Additional Cards
* No credit check
* No interest or late fees
* No fear about lost or stolen cash
* No standing in line to pay bills

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc


  

  

  

Credit Card Advice and FAQs:

   

Can you buy a car with a credit card? Buying a car with a credit card can make sense, particularly if you're buying a used car or using a credit card for a car down payment. In the event of a used car, if the seller made certain guarantees or offered a warranty which he failed to fulfill, you could easily reverse the credit card charge and thus nudge the seller to cooperate to make the situation right. A credit card down payment can also be reversed and is quite helpful when you are in a take-home test period.

Do I need a credit card? Technology has made life easier, yet has also caused a greater need for credit cards. With mobile phone payments, internet transactions, booking airline and motel reservations, there is an ever-growing place for credit cards. Another need for some people to have a credit card is to build or re-establish credit, because a credit card is a major score factor.

There is an easy way to get a credit card: You browse the internet and take time to compare various credit card offers, you narrow your choices down to one and submit your application. A few days later you receive approval decision: Your credit card application was rejected. Why? Because you selected your card based solely upon your desires, not also considering your eligibility. By answering a few questions about your needs AND credit history, a credit card matching company can show you cards to choose from which you will likely receive approval.

The fastest way to get a credit card is to apply for one which you are absolutely certain you'll be approved for. Typically the lower credit limit, little or no rewards cards, have the easiest approval standards. If you are not aware of the score necessary for acceptance, you can use a credit card pre-qualification company.

Is there a company that will help find a credit card for me? Yes. Simply answer a few questions regarding your credit profile and the type; or types, or credit cards which interest you, and the credit card match service will present you with card offers for you to compare and to choose from. The higher your score, the more credit card offers you can choose from and qualify for. This credit card service is especially helpful for those people who are unaware of what score ranges are needed for certain credit cards. Card matching services are also helpful to those who it's their first time getting a credit card.

Can I get a credit card without a job? Some credit card companies will issue credit cards for unemployed people, provided they have some other routine, reliable source of income such as a retirement pension. Some may also approve disabled applicants who receive Social Security Disability payments.

What is the lowest credit score to get a credit card? In order to determine what credit score is needed to get a credit card application accepted, you need to compare the card to others. Cards with higher limits, greater rewards and points, low APR or 0 introductory periods, most always have greater credit score requirements. Whereas a pre-paid debit card offers no credit check and thus does not require good credit scores, a rewards card with a $10,000 limit and low APR demands much higher ratings.

Is not activating a credit card bad? Not activating a credit card is almost as if you don't have a credit card at all, if the issuer requires you to first activate the card before you can place charges on it. Until then, you do not have a line of credit to help improve your credit score. So opening a credit card and not using it is much like having never applied in the first place.

What are the qualifications for a credit card application approval? Qualifying for a credit card is primarily subject to the type of credit card you're applying for. Obviously those high limit and high rewards credit cards require greater approval standards than regular credit cards with low limits and no; or very limited, rewards.

Get cash from a credit card - How to take a credit card payment from someone: You could use PayPal to provide merchant services for a small fee. This way if someone owes you money and has only a credit card, you and the other party could create your own separate PayPal accounts. As the Seller, you'll need only to provide a bank checking account to have the money transferred from the other person's credit card to you. The Buyer; the party who owes you money, will need to sign up for a credit card account. Then you; as Seller, would request funds from the Buyer. Another option is for the person with the credit card to make a purchase at a retail store, then request extra cash back from the credit card transaction.

Using a debit card as a credit card: Debit cards can be used just like credit cards, with the only exception that debit cards typically do not have a line of credit. But, if you obtained your debit card from your bank and the card is attached to your checking account, the bank may offer a small credit limit or an 'overdraft protection' limit which is a temporary credit line. You would have to repay the advance to avoid running up fee and/or interest charges.
 

 



Credit Card Comparisons & Matching - Many people around the world suffer from a bad credit history, and some do not know what is a good credit card to help build credit, and wonder will a secured credit card help or hurt?

Where can I get help choosing credit card offers and to pick out a credit card that matches my credit? Fortunately there are card options designed specifically for people with past credit issues so it's relatively easy to obtain credit card offers to compare. One advantage is to use a credit card comparison site, as it can provide a credit card search by credit score. When you have less than average credit, you want to use a site which specifically offers a credit card finder for bad credit people.

Which credit card locator can help me find a credit card to establish credit? People just starting out with no credit history should also refer to a credit card research site which contains offer for poor and no credit scores. They can help match you with the credit card or prepaid card which meets your credit profile.

Sub-prime unsecured credit cards: Many of these can assist you in building or rebuilding your credit. Although most of these do not have guaranteed approval, acceptance is more likely with one of these cards versus a rewards credit card.

Secured credit cards: These are also good options for establishing or re-establishing credit, provided the issuer reports to at least one major credit bureau.

Prepaid and debit cards: These cards typically have guaranteed approval and are similar to a traditional checking account. Check with the issuer to see if it reports to a major credit bureau.


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Select a Card Type, then click the View Button

 

 

Select a Credit Card Issuer or a Type of Card Offer

 

 

 

What is a *guaranteed platinum credit card?
A *guaranteed platinum credit card offers an unsecured line of credit. It is different from a typical unsecured credit card, because it cannot be used like a normal credit card.

A *guaranteed platinum credit card can only be used to purchase products offered by the card issuer, and cannot be used at local retail stores, to book airlines and motels, etc. Although it may have a high credit limit, it doesn't have the purchasing flexibility of of the more commonly known platinum credit credit card.

Benefit of a *guaranteed platinum credit card:
Although it cannot be used like a typical credit card, it does offer an unsecured line of credit. This makes it convenient to buy merchandise in situations where you do not have adequate cash on hand or any other type of credit.

Browse Credit Federal to find the card that's right for you. You can find a bad credit credit card with *guaranteed approval, a gold credit card, and even a platinum credit card from major card issuers.

 

About the USA Platinum Credit Card:
Searching for a $7500 Platinum Credit Card? If you can say yes to the following then you are approved.
* Are you at least 18 Years of age or older?
* Are you a US Resident excluding Wisconsin?
* Is your household income at least $800 a month?
* Are you currently not in Bankruptcy?
* Do you have an active checking account? 

Did you just say YES?  You are approved for a Platinum Credit Card! 

That's right, now you can enjoy great merchandise while establishing your credit because the USA Platinum Credit Card reports your new credit to a major bureau. We want to help you establish your credit today!

You are approved even if you are Divorce, have No Credit or Bad Credit it is No Problem. Just think about how a $7,500 Unsecured platinum credit card can help Establish your credit especially with No job check or No credit checks.

Get your *Guaranteed platinum credit card today!
*See website for terms and conditions

 

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Click Here for an Unsecured Credit Card

 


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.
 

WowCreditCards.com Review - Copyright © 2010 WOW Credit Cards.com. All Rights Reserved. 

Need an instant online credit card approval? Get a descision in as little as 60 seconds with these great offers! Simply complete an application for one of the instant approval credit cards listed below and you'll receive a response right away. Although 'instant approval' is not guaranteed for the products on this page, an instant response will be provided within just one minute.

Poor / Bad Credit Credit Cards - If you have bad credit - or a limited credit history - the unsecured credit cards on this page may be able to help. These fee-based products do not require security deposits and can help you get started on the right track. TIP: If you don't qualify for an unsecured card for bad credit, try a secured credit card instead. Or, check out our prepaid debit cards for additional options.

Prepaid Debit Card Offers - Looking for the safety and convenience of plastic without the hassle or stress of a credit card? Prepaid debit cards do not require credit checks or security deposits and are used on a pay-as-you-go basis. Some even allow you to build and establish your credit by reporting your activity to credit bureaus! Approval for these cards is 100% guaranteed!

Debit Cards - Using a debit card is a simple way of accessing your personal bank account. Often referred to as an ATM card, every major bank / financial institution issues them. With a Visa or MasterCard insignia on the front, debit cards are accepted almost everywhere. Once a payment is authorized, funds are immediately removed from your bank account via electronic transfer.

PROS:
* Payments are made directly from your bank account
* Very easy to obtain
* No identification required; authorization is confirmed by a personal identification number (PIN)
* Limits purchases to items you can afford to pay for with cash
* No added debt
* No monthly bills or repayment
* No charge for debit card transactions 

CONS:
* Limited by the amount of funds in your account
* Must keep meticulous records to avoid fees
* Less consumer protections - zero liability provided on debit cards is only a policy and therefore can change at any time, like interest rates and fees. The Electronic Fund Transfer Act gives you the right to dispute an error on your bank statement and gives you some protections.

Every debit card transaction should be recorded in a register (or log) to prevent overdrawing your account. Unlike credit cards, banks do not earn interest charges from debit cards, so they depend on fees to make money. The most common is an overdraft or insufficient funds fee. For example, if you pay for gas at the pump and drive away without taking your receipt, it's easy to forget to post the transaction and incur an insufficient funds fee later on when another purchase overdraws your account. Always keep your receipts and record and confirm your account balance in a timely fashion.

Unsecured Credit Cards - Using a credit card is essentially like taking out a loan. Purchases are paid with a pre-approved credit limit, detailed on your monthly statement. You have the option of paying the entire balance in full, or you can choose to pay only part of the balance with the remainder carried over to the next month's statement - with interested added for the privilege. As long as you make regular on-time payments - you're account (and credit rating) will remain in good-standing.

PROS:
* Monthly credit card statements provide an accurate and often categorized list of all purchases. This is particularly useful to businesses.
* Allows you to make purchases when cash is tight.
* Has a positive impact on your credit score (when handled responsibly)
* The ability to withhold payment if you're unsatisfied with the quality of a purchase. The law is on your side when it comes to credit card purchases. The Fair Credit Billing Act protects your purchase with zero liability for fraudulent purchases, poor quality or damaged merchandise or for merchandise that was never received.
* Ability to earn special perks such as airline miles, cash rebates and other rewards.
* More security features, including product warranties and fraud liability protection
* A better way to make phone or internet purchases

CONS:
* Interest charges add up quickly
* May lead to excessive credit card debt
* Fees may apply for late payments and over-the-limit charges
* Favorite target for fraud and theft by scam artists

Credit cards allow you to make purchases anytime you choose - even when you don't have any cash on hand. With a grace period of up to 30 days and the opportunity to payoff the entire balance by the end of the month, a credit card can be very useful. But be aware, credit cards can be dangerous too. Used improperly, credit cards can lead to excessive debt, a poor credit rating and even bankruptcy.

Most financial experts advise that debit cards should be used for most transactions. But keep at least one credit card for emergencies, and only use it in situations where it's absolutely necessary. For financially savvy (and responsible) individuals, a credit card can be used more frequently to earn rewards and other benefits. But the balance should be paid off as quickly as possible to avoid excessive interest charges. If you're recovering from bankruptcy, trying to reduce or eliminate debt, or completely lack self-control, avoid credit cards altogether and stick with a debit card. 

Examples of Unsecured Credit Cards include: cash rebate cards, points rewards cards, high limit cards, no deposit unsecured credit cards and cards to rebuild credit.

Credit card article explains why platinum credit card prequalification makes it difficult for bad credit people to get approved.
Free tips on choosing the lowest interest rate unsecured credit cards, from gold to platinum rewards.
Impact of credit card changes, how to choose a credit card or negotiate lower interest rates with your card company. Search for rewards with a gold or platinum credit card or a special balance transfer offer.
Whether you have good or bad credit, the Credit Card Holder Bill of Rights Act is to protect you. Review free credit card tips for getting the best deal for secured and unsecured credit cards, and advice on managing accounts from gold to platinum.
Apply for and review these free tips for managing and sharing a joint credit card account. Most gold and platinum unsecured credit cards offer an additional spouse card.
Free credit card tips to help you choose credit card offers, whether a debit card, credit card to rebuild credit or a platinum credit card with rewards, courtesy of Credit Federal.
Learn which offers the best credit card interest rate, a variable rate or a fixed rate, gold or platinum rewards, or a standard unsecured credit card? Browse and submit a credit card application.

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Credit Card Deals for Bad Credit: If you have bad credit history and want to rebuild it, take your time to review credit card deals that require your type of credit. Check through secured and unsecured credit card offers for bad credit to choose the card that suits your financial needs most! Compare bank offers and apply online!

* HSBC Bank - Orchard Bank® Classic MasterCards and Orchard Bank® Visa® Cards
* Capital One® Secured MasterCard®
* FlexCard Ultimate Credit Building Prepaid Card

Credit card deals for bad credit are designed for those people whose FICO scores range between 350 and 619 score points. These scores are considered to be rather low, that's why borrowers with bad credit history may have troubles when searching for credit card applications that fit their FICO score level.

Most banks and companies offer financial products to people with average or high scores. So, if you have good or excellent credit history, you are likely to find the best deals with favorable terms. Card applications for bad credit are not that wide-spread in comparison with bank offers for good or excellent credit and thus they're more sought-after.

The best thing about bad credit card deals is that they come with valuable options and services that may help you rebuild your credit history and boost your FICO score. Take for example email or text message reminders of the upcoming due date or monthly reports to major credit bureaus. Plus, most credit companies enable their customers to manage their accounts online, so that card holders can track and analyze their payment activity. It's a very good option for people who try to rebuild their credit history.


  

Need more credit card information? Read our financial and credit articles related to guaranteed platinum credit card offers.

  

 

 

Credit Card Offers: 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.

 

Credit troubles? 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 before you subject yourself to credit report reviews. Poor and bad credit people can apply for a credit card to rebuild credit or to establish credit. If you have 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. To take advantage of special card discounts, purchase 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: Apply for a debit card or a bank ATM card.

 

Rewards credit cards: In addition to perks such as a 0 intro balance transfer, major cards offer other 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.

 

Credit card interest rates: Some cards offer no interest and a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer balances from other cards to your new credit card.

 

Special credit card offers: Almost every credit card company will offer 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 company offers, including 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.

 

  

  

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.
 

 

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Can I get a credit card with a default? A recent credit report entry of a credit card chargeoff may very well prevent you from qualifying for an unsecured credit card. If; however, the chargeoff was several years prior and you've since improved your score, you may get approved, and even more likely to be approved for a bad credit credit card to rebuild credit. These types of cards usually have a low credit limit and high interest due to your past high risk history. Also be aware that any type of default; including a personal loan, a cell phone, etc, will usually be weighed the same. Sometimes; however, medical bills may not be deemed as bad.

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