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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.

 

 

ATM Debit Card Tips for Secure Handling

Who Pays Joint Credit Card Account

Close Credit Card Account

Choosing the Lowest Interest Rate Unsecured Credit Cards

Joint Credit Card Accounts

Apply For A Balance Transfer Credit Card

Credit Card Interest Rate OptOut

Student Credit Card Advice

Extra Joint Spouse Credit Cards

Credit Card Application

Cancel Credit Card Account

Credit Card FAQs

Avoid Over Limit Fees

Instantly Approved Pre Pay VS Platinum Rewards

ATM Debit Card Fraud Tips

Keep Credit Card Accounts

Bad Credit and Credit Cards

Credit Cards and Credit Reports

Purchased and Free Gift Cards

Christmas Credit Card Shopping

Gift Credit Card Shopping

Personal Gift Credit Cards

Baddest and Best Credit Cards

PoorCredit Card Application

Credit Card Savings Accounts

Not Good Credit Cards

Where Have Bad Credit Cards Gone

Prevent Debit Card Fraud

Top Credit Card FAQs

Credit Card Use

Free Credit Card Services

Discover Card Fraud Protection

Visa Contactless Mini Card

Secured Credit Card Shopping

Credit Card Approval

Credit Card Fine Print

Credit Cards with Rewards

Cash Back Credit Card

Gas Credit Card

Student Credit Card

Secured Credit Card

Prepaid Credit Card

Preapproved Credit Card

Platinum Credit Card Prequalification

No Deposit Credit Card

Debit Card

Benefits of Credit Cards

Christmas Credit Card

Balance transfer credit card debt

ATM Card

Types of Credit Cards

0 interest credit card

What kind of card can I qualify for

Guaranteed Platinum Credit Card - Unsecured Credit

Choosing a credit card right for you

Rewards Credit Card Advice

Low or High Credit Limit Credit Card

Low Interest High Risk Rates

Best Gas Credit Card

Store Charge Card Tips

Credit Card Payment Calculator

Airline miles, hotel and gas credit card offers

Unsecured Credit Card

Gas Credit Card Rewards

Airline Sky Miles

Rewards Gas Credit Card

Choosing Credit Card Rewards

Balance Transfer Special Introductory Rates

Credit Card Offers - Platinum Rewards that are Guaranteed to Please

Business Credit Card Benefits

Business or Personal Credit Card

Business Credit Cards

Secured Credit Card to Rebuild Bad Credit

Debit Cards Costly For Poor People

Pre Paid Card Expansion

Secured Credit Cards

Debt Card or an ATM Card

American Express Gold Card Benefit

American Express Delta Air Lines Delta Reserve Credit Card

American Express Travel Card

American Express Travel

American Express No Fee Cards

American Express CardMember Rewards

American Express SimplyCash Business Card

American Express Starwood Preferred Guest Credit Card

American Express Membership Rewards

Bank of America American Express Rewards Card

American Express Travelers Cheques

American Express Open for Small Business

American Express Services for Business Travel

American Express ExpressPay

American Express Benefits Plus Card

Chase Freedom (SM) Statement Credit

Chase Freedom (SM) Card Statement

Chase Visa Signature Card

Chase Checking Rewards

Target Chase Credit Card

JP Morgan Chase Charge Card

Chase Freedom Credit Card

Chase Mobile Phone Credit Card System

Blink Chase Visa Debit Card

Chase Borders Visa Card

Chase BP Visa Card

Citi Card Rewards

Citi Private Pass Cardmember Program

Citi Home Depot Business Rewards MasterCard

Citi Citigroup Credit Card Portfolio

Citi Upromise College Savings

Discover Motiva Card

Discover Student Scholarships

Discover Motiva Card

ATM Debit Card Security

Discover Card Ranked Best Card Brand

Discover Credit ScoreTracker

Credit Card Customer Service

Discover Card 5% Cashback Bonus

Discover Card Retail Reach

New Discover Business Card

Discover Card Shopping Survey

Discover Card Gas Relief

MasterCard Mobile Payment

MasterCard Travel Card Offers Rewards

MasterCard Fights Pin Debit Fraud

MasterCard World Elite Credit Card

MasterCard Rewards

MasterCard Small Business 50000

MasterCard PayPass Card Exceeds Cash

MasterCard Tap and Go Contactless Payment Card

MasterCard Worldwide

MasterCard PayPass Watch

MasterCard Upromise Debit Card

MasterCard International Tackles Fraud

MasterCard Contactless Payment Card

MasterCard Payment Card Forum

ATM Visa PrePaid Card Reloads

Contactless Visa payWave

Visa Credit Card Gas Purchases

Visa Business Savings

Visa Risk Manager Helps Reduce Credit Card Fraud

Visa Credit Cards

Visa Card with No Signature

Visa Travel Money

Visa ATM Transaction Fraud Detection

Visa Credit Card Acceptance

    

  

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.
 



American Express Platinum Card Lounge Access

Airport Club Access Program2 - To gain admission, simply present your AmEx Platinum Card, a government issued ID, and a ticket valid for same-day travel to the club agent in:

o Delta Sky Clubs®
o Airspace Lounges3
o The CenturionSM Lounges4

Enroll for Priority Pass Select Access

* More International Access - over 600 airport lounges in 100 countries
* Access available regardless of which carrier or class you are flying
* Guests may enter with you for a fee of $27 per person
* To gain admission, simply present your Priority Pass Select Card and airline ticket. (Please note that unlike Platinum Card Access admission, you will need to enroll in Priority Pass Select to gain admission)

  

Even if you have poor credit, you may still qualify for a no deposit credit card. Apply online a secured or unsecured credit card today.

 

Credit Card Offers


Select a Card Type, then click the View Button

 

 

Select a Credit Card Issuer or a Type of Card Offer

 

    

  

About a no deposit credit card

There are two main types of no deposit credit cards:

  • An unsecured credit card which allows typical purchases from retail stores, booking airline and motel reservations, etc. Examples of this type of no deposit credit card include Visa, MasterCard, Discover, etc.

  • The second type is not an actual "credit" card. It is a catalog card. It's an unsecured card (catalog or merchandise card), which can only be used to purchase from a select line of products or from a catalog endorsed by the card issuer.  Examples of this type of no deposit card include a Sears credit card (charge card).

A no deposit credit card is an unsecured card that does not require pre-paying in order to enjoy a line of credit. These types of cards are more widely known by major issuers such American Express, Chase, Discover, MasterCard and Visa. Some issuers also offer a no annual fee credit card.

Aspire Visa® Gold Card. Have bad credit or looking to re-establish your credit? Apply for an unsecured Aspire Visa® Card and receive a 30-second online response - no fee to apply.

MasterCard unsecured credit card. The best card for bad credit just got better. Orchard Bank credit card program offers credit cards to those with little or damaged credit. We've helped millions of people obtain credit – Let us help you too.

There are some cards by major credit card company issuers which have a deposit or "pre-pay" requirement. The ones that are no deposit are generally referred to as "credit cards" and those that require a deposit are referred to as "cards" (without the word "credit"). Typically, "cards" that require you to pre-pay are secure cards, and the amount you can charge against the card is determined by the amount of your deposit. If you deposit, for example, $5000, then you can charge up to $5000. Hence, there is no actual "credit" being extended. Typically, these cards are marketed as no credit credit cards because of the easy, no credit check approval.

 

Search for more credit cards

  

Need more credit card information? Read our financial and credit articles related to no deposit credit card offers.

 


Credit Cards

 

To pre-qualify for a credit card can be quick and easy to do. It usually involves just a few steps for the process. When people do not know their credit type, they may be applying for cards they may not be able to get. For example, a person with bad credit, is not likely to get approved for an unsecured card offer with great interest rates and rewards. They may have to start rebuilding their credit for a while and apply later. 

 

Orchard Bank offers a pre-qualifying process for people to apply for their cards. Presently, they offer a secured card that requires a minimum deposit of two hundred dollars. They have the rates and fees posted on their website for both unsecured and secured credit cards. Like most APRs or other cards, rates can increase when people do not make a minimum payment.  Even their balance transfer fees are posted and the minimum dollar amount for transfers. Cash advance fees are posted too, so there is not any surprises. Orchard Bank provides choices for Platinum, Gold, Classic, and Secured card offers and the terms for each are outlined. Using their form takes just minutes to complete online.

 

Usually to pre-qualify for a card, the applicant must put in personal information, an address, employment information, consent to electronic transfer, and have credit checked. They review the information and may offer an unsecured or a secured offer based on applicant data. There is a need to review a credit report to be able to provide the best card offer. For example, when an applicant has great credit, the issuer may offer an unsecured card with good terms and perks. When an applicant has troubled credit, and issuer may offer a secured card offer, due to the applicant being a risk for the issuer. Using credit cards is a good way to manage paying bills and making purchases, and the statements are handy during tax time. Statements can also help the card member track their expenses.




Review Disclaimer: Review information was collected from the website, and is neither an endorsement by us nor a confirmation of content nor a warranty of any claims made by the website. Use the review information at your sole discretion and sole liability.
 

CreditCard321.com Review - Copyright © 2004 All Rights Reserved

Welcome to CreditCard321.com, your quick and easy guide to credit cards. Our website has served as a leading online review of credit card offers since 2004, helping millions of consumers research the ideal card to fit their financial needs. Below you'll find today's Top 50 credit card offers as reviewed and ranked by our staff. Use the menu on your left to sort by feature, issuer, and the credit rating you'll need for approval.

Credit Cards for Bad Credit - A "bad credit" rating generally indicates that you have paid late multiple times or defaulted on credit card or loan balances. Several major card offers on the market today are geared toward applicants with a bad credit history. Many of these cards feature monthly reporting to the major credit reporting agencies, which enables the cardholder to have their payment history added to his or her credit profile. See below for today's top card offers for those with bad credit, along with links to each card's secure online application.

A prepaid credit card requires the cardholder to load funds before using the card for a purchase or ATM withdrawal. Prepaid credit cards are especially popular amongst parents who want to give their teenager or college student a credit card with only a set amount to spend. See below for today's top prepaid credit card offers, along with links to each card's secure online application.

A balance transfer credit card allows the cardholder to transfer one or more existing credit card balances to a single low-interest card. In fact, many such cards feature a special 0% introductory period on transferred balances, which can save the cardholder a bundle in interest payments. See below for today's top balance transfer credit card offers, along with links to each card's secure online application.

Credit cards featuring an introductory 0% APR on purchases allow the cardholder to carry forward a balance from month-to-month without incurring interest charges. Many cards offer this interest-free period for up to 12 months of card membership. See below for today's top credit card offers featuring a 0% intro APR on purchases, along with links to each card's secure online application.

With gas prices on the rise, credit card companies are reaching out to consumers with offers of cash back, rebates, and rewards on gas purchases. By paying for your gas purchases with one of these cards, you can receive up to 5% back or earn great rewards every time you fill the tank. See below for today's top gas rebate credit card offers, along with links to each card's secure online application.

515 South Flower Street
Suite 4400
Los Angeles CA 90071

Apply for a no deposit credit card. Review card offers from various issuers.
Help with choosing a credit card with rewards right for you or for your credit rating. Get pre-approved based upon your history, whether a no deposit credit card or one to rebuild credit.
Advice on how to purchase FDIC insured deposit products (checking, savings and certificate of deposit (CD) accounts).
With multitudes of card offers; ranging from instantly approved pre-pay cards to no deposit platinum rewards cards, how do you choose the best credit card? Before you compare perks and benefits, first weed out cards that may not help you.
Credit woes continue for borrowers as well as lenders for new home loans and 2nd mortgage refinancing. Although falling home values make purchase prices and deposits lower, it's also harder to get loan approval. Meanwhile, homeowners are quickly losing equity.
Definition of Certificate Of Deposit CDs
Choosing a credit card right for you. Review credit card comparisons of balance transfer offers and introductory interest rates plus special rewards like no deposit or gas rebates to help you choose a good or bad credit card.
Review our free debt management plan advice. In a DMP, you deposit money each month with a credit counseling organization. The organization uses these deposits to pay your credit card bills, student loans, medical bills, or other unsecured debts according to a payment schedule they've worked out with you and your creditors.
The Federal Deposit Insurance Corporation (FDIC) issued its newest list of state nonmember banks. Apply for a bank checking account and use our free checkbook register software.
No doubt, debit cards are convenient and popular, but they lack the power of no deposit, unsecured credit cards.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

How can I dispute a credit card charge? Copyright ConsumerAction.org

Under the Fair Credit Billing Act (FCBA), consumers have the right to dispute such billing mistakes as:

* charges not authorized by you
* charges listing the wrong price
* charges for items that were never received, accepted, or returned
* accounting errors
* charges where you have requested written proof of purchase

If you notice an error on your bill, under the FCBA you have 60 days from the date of the statement to file a written dispute with the creditor. Calling will not protect your rights. The creditor has 30 days from receipt of your letter to acknowledge your claim, after which it has two billing cycles or 90 days to correct the error, and/or inform you why it feels the charge is accurate.

If the creditor decides that the charge is accurate, you have 10 days from that notice to inform the creditor that you still refuse to pay the bill. At this point, the creditor can start collection proceedings and report you to the credit bureaus, but it must inform the bureau that you are refusing to pay the bill because of a dispute.

To file a formal complaint against a credit card company, you can write to:
Federal Trade Commission
Division of Credit Practices
901 Market St. # 570
San Francisco, CA 94103

Or call (415) 356-5270


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