Secured credit card or instant approval guaranteed platinum credit card.

Get a guaranteed secured credit card with no security deposit and 24/7 ATM Access.

Tip: Whenever you travel carry the customer service phone number of your credit card issuer

Need more credit card information? Read our financial and credit articles related to a secured credit card.

Credit Card Use: With today's electronic capabilities, using credit cards to manage finances are even more beneficial. For people needing to rent a car, make reservations, or to purchase things for a business, they are the most convenient way to pay. Using statements can be an ideal way to track personal or business expenses.

Cards come in a variety of shapes, sizes, colors, and designs that fit many personalities. They can be placed on a key chain or personalized using your photo. They also vary in price for having the privilege of carrying them. Some do not have any annual fees, and those with the most perks may have a yearly fee. Some credit cards can have fixed rates, while others have variable rates. Choosing the right card can be a valuable financial tool, to get free benefits and rewards that match the spending habits of the cardholder.

Benefits of Having Credit Cards:

*They can be used to get a cash advance.

*They can be safer and easier to have rather than having to carry cash.

*They give people the power to purchase goods and services.

*They give consumers certain protections under the law.

*Major cards are accepted by merchants all over the world.

*They can be used to secure travel accommodations.

*They can be used to reverse charges for purchases that were unsatisfactory.

To qualify for a credit card, applicants must be at least 18 years old and have a regular source of income. Even though pre approved card offers may arrive in your mailbox, does not mean you will actually be approved if you complete the form and mail it back. Issuers will only grant credit to those people who have the credit scores that indicate they are not a risk. Lenders like to see good payment history on reports. People with bad credit may only be able to get approved for secured cards or guaranteed card offers.

Compare Platinum and Gold Credit Card Offers:

Applied Bank Gold Visa Card - The Applied Bank Gold Visa Card charges very high fees and APRs and grants very small credit limits. There's no grace period on the Applied Bank Gold Visa which means you'll always pay interest on your purchases.

Aventium Gold MasterCard - The Aventium Gold MasterCard from First Premier Bank is one of the worst credit cards on the market with a 60% APR, $75 annual fee, and just $300 credit limit. Applicants beware of the Centennial Gold MasterCard and First Premier Bank.

Capital One Cash Rewards for Newcomers - The Capital One Cash Rewards for Newcomers Card offers newcomers to the U.S. a chance to establish their credit history and earn rewards on their credit card purchases with no annual fee.

Capital One Classic Platinum Credit Card - The Capital One Classic Platinum Credit Card is for people with weak credit. It charges relatively low interest rates but a high annual fee.

Capital One Standard Platinum Credit Card - The Capital One Standard Platinum Credit Card is for people with poor credit. It carries a low annual fee that is waived the first year but has high interest rates.

Centennial Gold MasterCard - The Centennial Gold MasterCard from First Premier Bank is one of the worst credit cards on the market with a 60% APR, $75 annual fee, and just $300 credit limit. Applicants beware of the Centennial Gold MasterCard and First Premier Bank.

Citi Simplicity MasterCard - The Citi Simplicity MasterCard doesn't charge late fees or a penalty interest rate if you're late with a payment or go over your credit limit.

Citi ThankYou Rewards Program - The Citi ThankYou Rewards program lets you earn rewards points on spending on Citi credit cards, debit cards and other accounts. The points are...

Credit One Bank Visa Platinum Card - The Credit One Bank Visa Platinum Card charges high fees and high interest rates. It is aimed at people with poor credit or limited credit history.

First Premier Bank Gold MasterCard - The First Premier Bank Gold MasterCard has a very high APR, high fees, and small credit limits.

Orchard Bank Classic MasterCard - The Orchard Bank Classic MasterCard is for people with poor credit who want an unsecured credit card. It charges high fees and high APRs.

Orchard Bank Gold MasterCard - The Orchard Bank Gold MasterCard is for people with poor or limited credit histories. It carries high annual fees and high APRs.

Orchard Bank Platinum MasterCard - The Orchard Bank Platinum MasterCard is for people with weak credit. It charges a high annual fee but a low APR.

Slate Card With Blueprint by Chase Bank - The Slate Card with Blueprint by Chase Bank helps you create a payment plan to manage your credit card balance.

Union Plus Credit Card - The Union Plus Credit Card from HSBC offers discounts and benefits to members of AFL-CIO-affiliated unions.

Wells Fargo Platinum Card - The Wells Fargo Platinum Card really not a "Platinum" card. It has no rewards or other benefits, except a slightly lower interest rate than other Wells credit cards.

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Features of Partially Secured Credit Cards - © Think-CreditCards.com

Partially secured credit cards are gaining in popularity with consumers and lenders are beginning to make these accounts more available.

A secured credit card has long been recommended as a way to improve bad credit but the concept of a partially secured credit card is fairly new. Approval is almost guaranteed because you are prepaying the credit card in a special way.

You can obtain prepaid debit cards easily and use those to make purchases just as you can with a standard credit account. However, those accounts are not reported to credit bureaus and cannot be used to overcome bad credit and improve your all important three digit credit score.

No Interest Charged - There is no interest charged for a prepaid card nor is there an application or a credit check. There is a small fee to purchase the card, you loan cash onto the card and can then make purchase with it instead of carrying cash.

Partially secured cards require you to put money in an account that will guarantee payment of the credit card should you fail to pay as agreed. If you deposit $300, there is $300 of credit on your secured card.

A few secured credit accounts allow deposits as high as $10,000 but these are rare. Most people who use secured credit cards do so in order to rebuilt credit or because it's the only credit card they can get.

Partially secured cards are just what it sounds like. It allows you to deposit funds to provide partial security for that account. These cards are specifically design for those with past credit problems who are trying to improve their credit standing.

Deposit - While a secured credit card will require you to deposit $500 for a $500 credit spending limit, partially secured credit cards may allow a $1000 spending limit for the same $500 deposit. If you have years of bad credit a partially secured credit card may not be an option.

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