Secured and Unsecured Credit Card Offers.

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

  

   

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

  

   

Orchard Bank« Classic MasterCard«
* An Excellent Credit Card for Rebuilding Credit Scores; Reports to 3 Major Credit Bureaus Monthly!
* Acceptance at Millions of Locations Worldwide, Including Website Purchases and Reservations
* Your Account Information is Updated and at Your Fingertips 24/7 So You Can Manage It Your Way
* Email and Text Messages to Remind You of Your Upcoming Payment Due Date with Online Enrollment
* On-Call Customer Service Representatives to Assist You with Questions or Concerns

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

  

   

Orchard Bank« Visa« Cards
* Reports to 3 Major Credit Bureaus Monthly Providing You the Opportunity to Rebuild Your Credit Score!
* Acceptance at Millions of Locations Including Website Purchases and Reservations
* Your Account Information is Updated and at Your Fingertips 24/7 So You Can Manage It Your Way
* Email and Text Messages to Remind You of Your Upcoming Payment Due Date with Online Enrollment
* On-Call Customer Service Representatives to Assist You with Questions and Concerns

*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

  

  

  

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.