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.
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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.
Select a Credit Card Issuer or a Type of Card Offer
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.
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.
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.
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 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.
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
Los Angeles CA 90071
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