Credit Scores range from 300-850, with higher scores equaling greater credit worthiness
Not only do credit scores affect application approval or rejecting, but also interest rates
Main factors determing credit scores include:
* Payment History
* Amounts Owed
* Length of Credit History
* Type(s) of Credit Used
* New Credit
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.
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
by getting soft credit report pulls. Problem credit people should consider a credit card to rebuild credit or to establish credit. If you have
no or 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.
Or take advantage of special discounts offered by 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 like a debit card or a bank ATM card.
Excellent credit? ewards credit cards
have perks such as a 0 intro balance transfer,
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. View
Credit card interest rates. Some cards offer no interest
or a 0 introductory period on purchases. There are also some with a special 0% balance transfer period so you can transfer
debt from other cards. Review credit card
offers for features you may need such as 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 types include 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.
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.
Guaranteed platinum credit card unsecured credit line
- Some lines of credit are limited to catalog merchandise purchases. 0
interest credit card - Major credit card issuers, such as American Express,
Chase, Discover, MasterCard and Visa, offer 0 intro credit cards for an
introductory period. Most major issuers also have a Student
Credit Card and a Secured
Credit Card. Compare perks ranging from free
airline miles, rebates, to cash back credit card incentives and other Benefits
of Credit Cards which vary according to the Types
of Credit Cards like a Debit
Card or Unsecured Credit Card. Steps on how to Balance
transfer credit card debt. Offset gasoline costs with a Gas
Credit Card. Earn rewards or
cash back on gas purchases from Shell, Exxon, BP and Hess. A Cash
Back Credit Card is like having a bank savings
account, and you can accrue some fabulous interest by comparison. Understand the
universal default interest rate and Avoid
credit card rate hikes like those common to some. Credit
Cards with Rewards. Make all Credit
card bill payments timely. Chase
BP Credit Card Agreement. 'Tap & Go' Contactless Payment MasterCard
PayPass. Carefully read all Credit
Card Fine Print. Tips on how to get Credit
Card Approval and using Secured
Credit Card Shopping, Small
Business Credit Card payment tool for managing business. MasterCard
Card Promotions - New MasterCard Programs. MasterCard announces two new
promotional programs: "MasterCard Monthly Bonus Sweepstakes", and
"Small Business Zero Liability" Visa
Contactless Mini Card - Visa created a mini card to make paying faster and
more convenient. American
Express Membership Rewards - American Express Membership Rewards Program
offers unique rewards to members, retail and travel partners. Discover
Card Ranking - Keynote Systems ranks Discover Card number one for online
customer experience in the credit card industry. Discover
Card Fraud Protection - Discover Card was ranked Best-In-Class for online
fraud protection service and information. MasterCard
Small Business Survey. Discover
Card ATM Acceptance - Discover Card is now accepted at more ATMs
Promotes Small Purchases - According to Visa, the bulk of credit card
transactions are for purchases of $25.00 or less. Diners
Club Credit Card - Diners Club wins the best Affinity/Charge Credit Card
Program 'Freddie' Award. Bank
credit card rewards - National City Bank is offering points for
everyday tasks such as writing checks, paying bills online and using debit
cards. Bonus points are offered for customers who open new accounts or get new
Credit Card Services - Credit Federal announces new, free credit card
services for consumers. Credit
Card Survey shows that credit cards are being used
more and more, even for small purchases. Major
Banks and Credit Card Issuers - According to the American Bankers Association, banks
play a key role in financial education. Credit
Card Fees -
You might not be earning enough value if you are charged transaction fees.
Usually credit card rewards are worth 1 or 2 percent of the amount charged. Pre
Paid Visa Cards - Visa pre-paid card offers aimed to capture the debit card
market. Visa Contactless prepaid cards are available to clients of Meta Payment
Systems, MetaBank's prepaid card division. As with all Visa prepaid cards, the
Visa Contactless prepaid card can be used anywhere Visa debit cards are
accepted. Contactless debit cards offer consumers a secure and convenient
alternative to cash and checks. Free
Credit Card Tips - Avoid extra fees
and high interest rates: Credit
Card Use for maximum score results, or as a one time use
credit card purchase. Bill
On Credit Card Bills - Proposed legislation would outlaw some credit card
billing and interest rate practices that critics say confuse consumers and can
push them deeper into debt. Top
Credit Card FAQs with basic
tips for secured and unsecured credit cards. Debit
Cards Lack Credit Card Power - No doubt, debit cards are convenient and
popular, but they lack the power of regular credit cards. Compare
Credit Cards - Browse and compare credit cards according to rewards, APR
interest rates and consumer ratings. Prevent
Debit Card Fraud - Because of their convenience and power, debit card
holders are potential scam victims. Bad
Credit Card Marketing - Bank settles bad credit card marketing allegation of
a fee nearly the credit line amount. Where
Have Bad Credit Cards Gone - Sub-Prime (Bad Credit) Credit Card Offers seem
to be vanishing from the internet. Not
Good Credit Cards - Five major credit card issuers come in second to credit
union card offers. Credit
Card Interest Rate Cut Impact - What impact does the recent federal interest
rate cut have on credit cards? New
Credit Card Offers - There are new credit card offers; green is now added to
silver, gold, platinum and titanium. Credit
Card Savings Accounts - Rewards cards offer automatic deposit savings
Credit Card Application - Poor Credit Score? Credit card applications to
and Best Credit Cards - J.D. Power and Associates' ratings of the baddest
and best credit cards. Personal
Gift Credit Cards - Personal gift credit cards can offer more wow than
simply giving cash. Gift
Credit Card Shopping - Tips for Choosing the Best Gift Credit Cards for
Holiday Shopping. UK
Credit Card Rate Increases - More than one UK credit card company is
increasing rates and fees. Purchased
and Free Gift Cards - Some credit cards offer the ability to earn free gift
cards, or you can buy gift cards directly from retailers. Credit
Cards and Credit Reports - Certainly credit report scores decide if you get
approved for a credit card and the interest rate you will pay, but what about
future rate changes? Bad
Credit and Credit Cards - While bad credit people can get credit card
approval but at higher rates, now even good credit people are seeing interest
rate increases. Bad
Credit Card Issuers or Bad Practices? Will sub-prime, bad credit cards follow the same path of
destruction as the sub-prime mortgages? Credit
Card Fair Fee Act - Credit Card Fair Fee Act takes on Visa and MasterCard
credit card companies to help business merchants negotiate transaction
processing costs. Credit
Card Phone Number Directory - Credit Card phone number directory. Directly
call a credit card company, toll free. Keep
Credit Card Accounts - credit card companies are closing some
customers' credit card accounts in an attempt to save money. New
Credit Card Company Rules Regulations - The federal government is proposing
new credit card company rules and regulations to ensure cardholder fair
treatment, particularly bad credit cards. Unfortunately, this may create higher
interest costs for good credit people and no credit card offers for poor credit
Charge Cards And Gas Credit Cards - Some people don't want; or don't qualify
for, regular unsecured credit cards, and choose store charge cards and gas
credit cards instead. Here are free tips for using them. Tips for Using Store
Charge Cards and Gas Credit Cards. Negotiate
Credit Card Interest Rate - If you've been a good customer with your credit
card company, you can negotiate a lower credit card interest rate. Gas
Credit Card Rewards - Gas credit card rewards can offer some relief via cash back.. Best
Credit Card Benefits+Rewards - many of these go
unused by cardholders. ATM
Debit Card Fraud Tips - In support of ATM & Debit Card Safety Awareness
month, PULSE; a Discover card product, offers tips on ATM and debit card use for
privacy protection and to prevent fraud. Instantly
Approved Pre Pay VS Platinum Rewards - Before you compare perks and
benefits, first weed out cards that may not help you. Subprime
Credit Card Lawsuit - The Federal Trade Commission (FTC) files a lawsuit
against CompuCredit and Jefferson Capital for its marketing of a subprime credit
Over Limit Fees - ways
to prevent going over-limit. Credit
Card Secrets - Hidden facts you probably didn't know.. Credit
Card FAQs - Common questions turned into credit card facts. Your
Credit Card Rights - new credit card
rules that eliminate several unfair practices in the credit and banking
Credit Card Account - Before you cancel credit
card accounts, read this article. Close
Credit Card Account - Free sample letter on how
to close credit card accounts. Credit
Card Application - Browse for the secured or unsecured credit card that has
Credit Card Rate for you. Extra
Joint Spouse Credit Cards - In addition to having a joint spouse credit
card, there are occasions when you may want to have extra credit cards for
rewards or other perks. Submit your good or bad credit card application online. Credit
Cards Vs Checks - more companies plan to
increase use of business credit cards instead of paper checks for making
Credit Card Advice - prevent high balances and to get a good credit score.
Credit Card Rap - Credit cards suffer a bad rap, much of which is
undeserved. There are both good and bad credit card features. Federal
Credit Card Survey Ratings - credit
terms include type of plan; variable or fixed interest rates as well as other
credit card rewards such as purchase discounts, travel points and cashback. Credit
Card Interest Rate OptOut - If your credit card issuer has notified you that
your card's interest rate will increase even though you don't have bad credit,
you could negotiate a lower rate, optout completely. Really
Free Credit Report with No Credit Card - one website offers a truly, really free credit report with no credit
card required. Gas
Cards with Rewards -
Some gas cards with rewards include cash back when consumers charge for fuel or
other auto related expenses. Sample
Credit Card Dispute Letter - Print this free, sample credit card dispute
letter to send to your card company. Apply
For A Balance Transfer Credit Card - advice on what to look
for before submitting your application. Canceling
Credit Cards Causes Bad Credit - Canceling credit cards could cause bad
credit if you reduce your credit history and available credit limit.
Card Interest Rate Rights and Options - If your issuer notifies you of a
credit card interest rate increase, can you reject the higher rate? Learn your
options and rights. How
To Qualify for Credit Cards and rebuild bad credit. Joint
Credit Card Accounts - Most gold and platinum unsecured credit
cards offer an additional spouse card. No
Fee Free Credit Card Offer - Is it really a no fee, free credit card, or
only free if certain terms and conditions are followed? Credit
Card Holder Rights Act is to protect you. Best
Credit Card Deal Gone Bad - Chase; considered by many to have offered one of
the best credit card deals for people carrying a large balance, has reneged on
an agreement and upset card members.. Credit
Card Opt Out Agreement - Does your issuer offer a credit card opt out
Credit Card Survey Ratings - Bi-annual Federal Reserve System ratings survey
of plan terms offered by financial institutions and credit card issuers. The
credit terms include type of plan; variable or fixed interest rates as well as
other credit card rewards such as purchase discounts, travel points and cashback.
the Lowest Interest Rate Unsecured Credit Cards - Free tips on choosing the
lowest interest rate unsecured credit cards, from gold to platinum rewards. Credit
Card Limit Cut - Was your credit card limit cut? Your options, and why
government law pushed your credit card company to cut your max limit. Chargeoff
Credit Card Debt To Avoid Bankruptcy - chargeoff credit card debt either yourself for free or by hiring a debt
settlement company to negotiate on your behalf. Settle
Credit Card Debt - Many have maxed out several credit cards and the late fees and high
interest rates are getting them deeper in debt. Credit
Card Medical Bill Payment - some people make medical
bill payments with a credit card. Close
Credit Card Account - instructions how, to close credit card
accounts and the letter to send to the credit card company. Who
Pays Joint Credit Card Account - Options to cancel a joint account or to remove a
spouse name from a joint account, including payoff and negotiating a debt
Credit Card Company - Whether you want a secured or unsecured credit card
for bad credit or excellent credit, first review the best credit card company
ratings before you submit your online application. Cancel
Credit Card Advice Question - what do you do if you dispose of credit cards before canceling them?
Credit Question: ATM
Debit Card Tips for Secure Handling - Review our free ATM debit card tips
for secure handling of your card and withdrawals. What
is a credit card chargeoff - Typically a charge off is when a creditor,
bank, or bill collector writes off a balance as "bad debt" because
they believe they can't collect the debt. ATM
Debit Cards and Rebuilding Credit - Facts and benefits of Debit Cards and
how a credit card can rebuild credit. Balance
Transfer and How to get the Best Credit Card Deal - Read our article before
you balance transfer debt, and learn how to get the best credit card deal. Balance
Transfer Credit Card Offers, Tips and Advice - Get the maximum benefit of 0
intro balance transfer credit card offers by reading these free tips and advice.
Credit Card Account Advice - Free credit card account advice about the rates
and fees for new card offers before you submit an application. Bad
Credit Card Application Advice -
consider banks and credit card companies that specifically offer subprime cards
to rebuild credit scores. Advice
to Rebuild Credit with a Credit Card - Use the card
to make small purchases that can be paid in full each month. Secured
Prepaid Cards and Unsecured Credit Cards - There are a lot
of choices and variables to choose from. Credit
Card Deals and Education - With credit card education you will be
best able to choose the right deals for you. Christmas
Credit Card Shopping - Get shopping rewards through special Christmas credit
card offers. Christmas
Credit Card - Christmas credit card and shopping tips. Best Christmas gifts
are low interest credit cards. What
is Worse than a Credit Card? - Cellular phone
companies have far worse negative impacts on consumers' finances. Credit
Card Comparison Guide - Review introductory
interest rates and special rewards offers to help you choose. Good
or Bad Credit Card - Credit card issuers are trying to change their image
from bad to good. Tips
Before Submitting Credit Card Applications - Credit cards serve as a very important factor to
obtain good credit if you pay off your balance monthly. Platinum
Credit Card Prequalification - Why is a platinum credit card only for good
credit people? Read our credit card article to learn about prequalification. Choosing
a credit card right for you. - Article: Choosing a Credit Card Offers -
which is best and best for you? Not only are there different issuers, there are
many different types of credit cards, so how do you choose a card that's right
for you? Prepaid
Credit Card - Apply online, and learn he Benefits of a Pre-paid Credit Card.
Read our free article: No
Deposit Credit Card - No deposit credit card: Apply online, and read our
credit card article. Preapproved
Credit Card - Learn what is a preapproved credit card and apply online. You
may already be pre-approved. Read our credit card article: What
kind of card can I qualify for? - Have a difficult time choosing a credit
card so you just apply for a lot of cards? Don't jeopardize your credit
score and make bad credit even worse. Why
People Choose Credit Cards - People choose credit cards
because the benefits can outweigh the bad. Credit
Card Error Codes: Response Reason Codes and Response Reason Text - This
transaction has been approved. More
Easily Understand Credit Card Agreements - ConsumerFinance.gov developed a
shorter, simpler credit card agreement that spells out the terms for the
Out of Christmas Credit Card Debt - advice on how to payoff, consolidate or
Christmas credit card debt. Credit
Cards VS Charge Cards Which Is Better - there are important
I pay off my credit cards or my car loan first? Which option would save me the
most money? - In most instances, focusing on paying off credit cards vs auto
loans not only saves you more money, but may also help improve credit more, too: Bad
Credit Debt Consolidation Loan to Pay Off Credit Cards - I'm a non-homeowner
and I don't qualify for a debt consolidation loan. Is there a way I can get a
bad credit loan to pay off credit card debt? Democrats
Allow Higher Credit Card Fees - The Consumer Financial
Protection Bureau acknowledged its proposal would increase costs for some
cardholders and allow banks to charge more in fees. New
Jersey Democrats To Hijack Idle Gift Card Balances - Democrats of New Jersey
are eye-balling the unspent balances of their state residents' gift cards.What
is the difference between a charge card and a regular credit card? - Charge
cards are a type of credit card that require you to pay the full amount you've
charged each month. There are no periodic finance charges, and charge cards
often come with rewards. Use
Extra Money to Payoff Credit Card Debt or Put in Savings Account - I came into enough money to payoff my credit cards. What should I
do. Payoff credit card balances or put that money into a savings account? Credit
Cards by Credit Score Rating - Instead of wasting time submitting multiple applications, review credit score
requirements and use a credit card matching service. Can
a Credit Card Company Place Lien on Property? - Actions a Credit Card
Company or Other Lender can take Against You for Default Non-Payment: Civil Court
Law Suit. Be
a Smarter Credit Card Comparison Shopper - There are fabulous card offers
out there, but don't fall victim to glitz and hype. Most
Popular Credit Cards - Review the best credit cards for gas
purchases, sky miles, travel and balance transfers. Getting
Your First Credit Card - Common mistakes to avoid. Credit
Cards for Travel Benefits Abroad - If your vacation leads you overseas,
compare the best credit cards for traveling abroad. Add
Child as Authorized User on Credit Card - Is it wise to add a child as an
authorized user on your credit card? Vacation
Travel Credit Cards - which
travel credit card to pack along for hotel, motel, airline sky miles and other
One Credit Cards for All Credit Scores - Whatever your credit history,
Capital One has a credit card (or secured card) for you. Student
Credit Card Use Tips - How student credit cards should be; and should not
be, used: Best
Credit Card for Gas - The single, best credit card for gas and travel, meets
two predominant requirements: the card which best meets your needs, and the one
which you qualify for. Are
Paperless Credit Card Billing Statements Better - consider the cons. Advice
for Common Credit Card Problems - If your credit card interest rate goes up... You can
do one of four things. First
Credit Card Application - Advice for submitting your very first credit card
application, receiving and understanding important issues before making your
first purchase charge. Affects
of Maxxing Out Credit Cards - Although
you may be aware that the issuer may charge an over-limit fee, many people are
ignorant as to how this impacts other financial areas. First
Time Credit Card and Loan Applicants - How first time credit applicants get
approved for credit cards and loans. Retail
Credit Card Rewards - There are plenty of store cards, yet weigh all retail
credit card rewards, terms and conditions before you apply. Types
of Banks for Credit Cards and Business or Personal Loans - A retail bank is a bank that works with consumers. These
banks provide basic banking services to the general public, including:* Checking
and savings accounts* CDs* Safe deposit boxes* Mortgages and second mortgages*
Auto loans* Unsecured and revolving loans such as credit cards Save
Money with Back to School Credit Card Rewards - Take advantage of back to
school credit card rewards to save money on student expenses.. 0
Intro Credit Card Reviews - The longest 0 introductory credit card offers. How
to Choose a Credit Card for Christmas - With so many variables in interest
rates, points, rewards, introductory periods, balance transfer programs and the
confusing terms, it's no wonder it's difficult to choose. How
to Negotiate Christmas Credit Card Debt Settlement - It's not unusual to go
into the holidays with debt already on your credit cards, and then adding yet
more charges. Get
out of Credit Card Interest Reduction Scams - The FTC requires credit card
interest reduction companies to not charge a fee until after the service is
Credit Card Payment - How to Reverse a Credit Card Payment Charge with your
card company issuer or with the merchant seller. Credit
Card Grace Period Explained - You know what it is yet you may be surprised
by what you don't know. General
Financial and Credit Card Account Sharing - There are pros and cons involved
with general finance and credit card account sharing, yet mostly negative.
Credit Card Accounts - There's the wrong way and the right way to manage
credit card accounts to save money and protect scores. Credit
Card Company Complaints - Credit Card Companies with the Most
Cards that Benefit Animals - Best Friends Animal Sanctuary - Chase
Bank offers an affinity credit card that benefits the Best Friends Animal
Credit Cards -
First thing you need to determine is what cards you qualify for. What
is Credit Card Blocking - when a company reserves a certain
amount of money against your credit card limit. Charge
Off Christmas Credit Card Debt - How to Charge Off Christmas Credit Card
Debt Yourself. What
Happens After You Swipe Your Credit Card - what happens after you swipe your credit card in the
to get every cent from Gift Cards - Don't leave money on gift cards. Credit
Card Limit Lowered - What to do if your credit card limit is lowered by your
Cards that can Only be Used for Gas - cards that can
only be used for gas purchases. Hidden
Credit Card Benefits - The best hidden credit card benefits are the ones
right in your face. Free
Credit Card Money - How rich people get free credit card money . How
Using Credit Cards Affects Credit Score - Credit scores consider both your total
balance to limit ratio (also called the utilization rate), and your balances as
compared to the limits on each account. USAA
Credit Cards - Compare Cards which offer low rates, rewards,
military benefits and no annual fees on select cards. The
Affects of Just One Credit Card Late Payment - Beware the affects of just one late payment on a credit card.
Match Credit Cards - Price match credit cards may not be a new offer, yet it
can save you plenty of money. Debit
Card User Warning - Using a debit card is not as safe; and protected, and
using a credit card. Credit
Card Cautions - so you can enjoy the very best
of your card. Credit
Cards that Increase Limit for Spending - Selection of credit cards that
increase limit for spending on everyday purchases. Car
Rewards Credit Cards - With an auto rewards credit card, you can earn points
to use toward the purchase of a new car. Places
Not to Use a Debit Card - Here are very risky places not to use a debit card
for purchases. Retail
Store Credit Cards Non Expiring - Some retailers are doing away with expiration dates for their
store cards. Credit
Card Company Free Credit Scores - You may get totally free credit scores
from your credit card company. Credit
Card Benefits and Perks - Credit card companies offer less advertised perks
and other benefits to cardholders. READYdebit(R)
Platinum Visa(R) Prepaid Card - Review Issuer Comments. Quicksilver
Cash Rewards Credit Card Benefits - earn unlimited
cash back with no annual fee Dispute
a Billing Error to Credit Card Company - How to Dispute a Billing Error to
Your Credit Card Company, including American Express, Chase, Citi, Discover,
MasterCard, Visa, USAA, Bank of America, US Bank, Capital One, Wells Fargo, HSBC
Bank and PayPal. How
to Report Lost or Stolen Credit Card - Emergency contact telephone numbers to report lost or stolen credit cards,
ATM or debit cards. First
Time Credit Card Applications to Build Credit - Review first time credit card applications
that help build credit. How
to Compare Credit Cards - by Reviewing Terms and
Conditions, Interest Rates and Rewards What
is Credit Card Churning - It's earning rewards
for submitting credit card applications. CashBack
Rewards TD Credit Cards - Review TD Credit Cards Offering CashBack and
Cards that do Soft Pulls - Credit Cards that do Soft Pulls with No Credit
Cards that make You look Rich - the
sound of a metal card is almost like a trumpet blowing, announcing the King has
Credit Card Fees - Review Fees and Issuers Offering No
Credit Card with High Limit - for Bad
Credit People Unable to Qualify for Standard Unsecured Cards Credit
One Bank Cards - Our cards are
even available to those who have had credit problems in the past and those who
may have little credit history. Credit
Cards You Can Use Right Away - immediately after applying. Most
Costly Credit Card Perks and Rewards - Decide if the Fees are Worth it. Spot
and Stop Credit Card Addiction - Are you truly poor or do you have a
charging problem? How to spot and stop credit card addiction.
Card Score Ups and Downs
Credit Card for Teenager
Limit Credit Cards
and Personalized Credit Cards
Credit Card for Vacation Rewards
Credit Cards with Easy Approval
Card Loyalty Programs and Rewards
Types of Credit Card Rewards Programs
Credit Cards for Unemployed
Vacation Credit Cards
Rewards Credit Cards Offering Restaurant Perks
Back to School Credit Card for Savings Rewards
Cashback Rewards Cards
Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.
Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.
Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.
Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.
Home Loan: Stop paying rent and live the American dream.
Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.
Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.
Personal Loan: Short or long term personal loan.
Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.
Free Help: Personal finance newsletter, credit advice and tips.
Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.
Visa Credit Card Highlight - Capital One® Venture Rewards Credit Card
This is among the best travel rewards credit cards. Though many rewards cards offer a standard one point per dollar spent, with the Capital One® Venture Rewards Credit Card you can earn two miles per dollar on every purchase.
The miles can be used to fly on any airline, any time with no restrictions or blackout dates.
The Venture Rewards Credit Card does have an annual fee.
Milestone Gold MasterCard
Fast and easy instant decision
Choose your custom card design - Free
Free online account access
Previous bankruptcy OK
* See website for details
$0 Monthly Fee
No credit check or ChexSystems check
Instant account number
Free Direct Deposit
Earn purchase rewards and Refer-a-Friend cash bonus
* See website for details
Get a guaranteed secured credit card with no security deposit and 24/7 ATM Access.
What is a secured credit card?
A secured card is a credit card established by depositing money into an account. The account serves as security for the card; if the bill isn't paid, the money in the account may be used to cover that debt. For example, if you put $500 in the account; you can charge up to $500. You may be able to add to the deposit to add more credit, or sometimes a bank will reward you for good payments and add to your credit line without requesting additional deposits.
Secured credit card benefits:
A secured credit card can certainly help control spending because only the balance can be spent. It's a helpful tool for teaching financial responsibility to teenagers.
A secured credit card is also useful to business owners to track financial expenditures. And, business owners can give limited access to company employees for purchasing office supplies or making business travel arrangements.
A secured credit card offers more security against the loss of money because the maximum that can be fraudulently charged is the prepaid balance.
One of the greatest benefits is that a secured credit card often has guaranteed approval, meaning even people with very bad credit can get accepted.
Apply for your secured credit card today.
If you have bad credit and have been turned down for an unsecured credit card, Credit Federal recommends the cards above.
A secured card can certainly help control spending and track financial expenditures. By only charging for products or services using money you pre-pay, you don't have to worry about mounting interest charges and late fees. A secured card is also useful for teaching financial responsibility to people who are initially engaging in consumer credit, such as teenagers. Additionally, a secured card offers a little more security because the maximum that can be fraudulently charged is the amount you pre-pay.
If you have no credit history, a secured card can help you establish credit. Be sure to apply for a card that reports your activity to at least one of the major credit bureaus, preferably all three.
If you are a business owner, a secured card is a great way to give your employees limited access to your company funds for buying office supplies, booking business travel arrangements, etc.
A secured card also makes a great gift. Instead of purchasing presents for holidays or birthdays, give a secured card instead, pre-paid with the amount of money you would have spent if you had bought a gift. This way, the recipient can purchase exactly what he or she truly desires.
Another benefit of a secured card is the fact that it's easier for many people, even those with bad credit, to get approved. Apply for your secured card today.
VIP Visa: No Credit Check, No Turn Downs, No Annual Fees, No Security Deposit, No Employment Required, Online and Offline Access, Low cost fees, Store your Money Safely, 24/7 ATM Access to Funds, No Credit Check or Bank Account Required.
Upgrade A Secured Card To An Unsecured Credit Card - It's possible to have a secured card transferred to an unsecured credit card account, even without having to switch issuers. Some card issuers offer in-house upgrades upon proving your good use. Here are example issuers who offer upgrades:
Wells Fargo Secured Card - Establish healthy credit with a Wells Fargo Secured Card. With responsible use over time, you may have the opportunity to be upgraded to an unsecured credit card.
Use wherever Visa® credit cards are accepted.
Deposit an amount, from $300 to $10,000 into a Collateral Account. Your credit card limit equals the amount of money in your Collateral Account.
Make payments on time and start establishing good credit. Unlike debit or pre-paid cards, this card’s payment information will be shared with major credit bureaus, helping you build your credit history.
You can get a cash advance from your account in a variety of ways, including at banking locations, through the use of a PIN at an ATM and in a variety of other ways. Each cash advance that you obtain will accrue interest from the date the cash advance is made — there is no grace period for cash advances. Cash advance fees may also apply. Please refer to your account agreement for more information about cash advances.
When you apply, you indicate how much you would like to deposit into a Wells Fargo Collateral Account (between $300 – $10,000).
Upon approval of your application, we’ll transfer the funds you provide into the Collateral Account. This can take approximately 7 – 10 days, and these funds need to be available in your account to process the transfer and open your credit card account.
Access to free credit education - All Secured cardholders have access to free online credit education courses and tips to help you manage credit wisely.
A good credit rating gives you the freedom to make choices. You’ll find that you need good credit to do almost everything from buying a car or a home to establishing utility services. Make on-time payments, stay within your credit line — and you’ll be on your way to establishing better credit.
Secured Card accounts are reviewed periodically and may become eligible for an unsecured credit card and have the Collateral Account funds
Built-in management tools and flexibility
Choose your monthly payment due date and also sign up for automatic or online payments.
Stay on top of your account activity with free email alerts when you approach your credit limit, a payment is due, and more.
Easily track your expenses. My Spending Report with Budget Watch has built-in tools that help you see where your money is going and easily set up a budget.
Harley-Davidson® Visa® Secured Card - When you've managed all of your credit obligations responsibly consistently for 12 months, you'll be well on your way to a strong credit standing, and we may be able to move you to an unsecured credit card product.
To fund your Secured Card, you can choose to: Fund online using your Checking or Savings Account and Print an application and mail a Cashier's Check or Money Order.
The deposit is used to open a U.S. Bank Savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
When you've managed all of your credit obligations responsibly consistently for 12 months, you'll be well on your way to a strong credit standing, and we may be able to move you to an unsecured credit card product.
Auto Rental Collision Damage Waiver
Zero Fraud Liability.
Automatic Bill Pay.
Complimentary Annual Account Summary
Automatic Bill Pay
Free Online Banking
Get your monthly credit score – at no cost
Auto Rental Collision Damage Waiver
Lost/Stolen Card Reporting
Cardholder Inquiry Service
Emergency Cash & Card Replacement
Capital One Secured Card - The Capital One Secured MasterCard gives you the opportunity to build your credit through responsible use. Capital One regularly reports your payment history to the three major credit bureaus. A history of good credit standing can help build your credit. Keep in mind that while using credit wisely can help build your credit, making late payments, exceeding your credit limit, or your performance on other accounts can have a negative impact on your credit rating.
Regular reporting to the 3 major credit bureaus
Free Credit Tracker from Capital One to monitor and understand your credit
The opportunity to earn a credit line increase with responsible use -- no additional deposit required
Going from a Secured Card to an Unsecured Card - Your objective is to prove to the card issuers that you are trustworthy of having a large credit line. You can prove responsible behavior by making charges each month on your card and pay it off by the due date. Sure, an issuer would rather you make only a minimum payment, but your aim is to show you can easily pay off charges in full each month.
Select a Credit Card Issuer or a Type of Card Offer
Need more credit card information? Read our financial and credit articles related to a secured credit card.
popular credit cards like a Discover card could help some shoppers enjoy getting
cash back. Many credit card companies offer special perks to compete with their
competition or get new people to apply for cards. During the holiday seasons,
issuers may offer the best deals for cardholders and new applicants. Waiting
until the last minute to apply may not get the card to your mailbox in time for
shopping or travel needs. It is best to start about ten or more days in advance
of an event.
popular retailers partner with credit card companies. They help in that issuers
may be able to offer good perks to cardholders if they use popular retail
stores. For example, they may offer double cash back on particular days of the
year at specific places. Usually they have a start date for special perks and
benefits, and they have different ways to offer rewards to their customers. It
may be as easy as earning a two percent or five percent cash back bonus when a
cardholder spends a specific amount. There are so many programs to enroll in or
rewards among credit card issuers, it is best to review a few before
cardholders know all the perks or rewards that are offered periodically, it can
be a good tool to earn money or bonus points. People are always needing to spend
money and many use credit cards. If they watch for specials, they can be
rewarded for money that would have been spent normally without getting any
rewards. Be sure to review the terms for cash back and bonus points, sometimes
money must be spent at specific retailers, on certain items, or up to a specific
amount. Discover offers
many rewards, perks, and benefits that can vary during the year.
of ways cash back might be used:
Redeem it for gift cards or merchandise.
Deposit it to a bank account.
Use it as a credit toward the account balance.
Use it for a charitable donation.
unable to qualify for cards that have the best rates and benefits, the only
choice may be using plastic in the form of a prepaid
card or secured card offer. These cards may offer a way to repair credit.
When lenders report to credit bureaus good paying information, this is a method
to rebuild bad credit history. The catch is that they must report to one of the
three major credit agencies. Millions of people are using cards that report
their good payment habits. Prepaid cards are easy to load and use, and many have
low fees or one time activation fees. It is important to read any terms, rates,
conditions before applying for secured, prepaid, or unsecured cards.
cards are credit cards that require a savings account to be established as collateral. They
are excellent to use to rebuild or establish some good credit history. People
who do not have a credit history, or who may have past credit problems, use
these cards to repair their credit. Orchard Bank
has a secured card that is available and it offers the benefit of using plastic
for purchases. When an unsecured card is not an option due to being rejected,
secured and prepaid cards can be the next best option. They also have unsecured
cards come with reasonable annual fees or no fees, and minimum deposits can be
as small as two hundred dollars. Secured cards require a deposit to be made as
security. The card can be used anywhere the card logo is displayed, For example,
if it is a Visa or MasterCard. These cards usually offer the typical functions
of unsecured cards like online bill pay, the ability to manage the account
online any time or day, and fraud protection.
type of credit card has its own Terms and Conditions, and they should be read.
Credit card issuers usually obtain a current credit bureau report when someone
applies. This is to help them make a decision about approving or rejecting the
application or even to offer a different type of card. It is also to verify an
applicant's information. Sometimes it can take up to 10 or more days to receive
cards once a person is approved, so applying well in advance of the need to be
able to use the card is important.
or unsecured cards both can make traveling or making purchases easier.
Statements are good financial tools to use to prepare for tax season, to plan a
budget, or to track spending habits. Millions of people use secured cards,
because some issuers report to the three major credit bureaus, it is this
reporting that can help repair less than perfect credit, with the addition of
good information on reports. Choices are limited for unsecured cards when there
is a negative credit history, yet getting a secured card can be one the easiest
ways to be able to have a card and fix bad credit at the same time.
with good credit are usually not limited to a specific card choices, and may be
able to be approved for several popular unsecured
credit cards. This is great as they can use the card with the lowest
interest rates and best terms for their spending needs. Cash back cards help
many people get money back, for the money they have to spend. For those with
terrible credit, the only choices may be a secured card or prepaid
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.
WellsFargo.com Mobile Banking Review - © 1999 - Present Wells Fargo. All rights reserved
What is text banking? Text banking is a free service which allows you to quickly request and receive account information via text message. You won't need to sign in and it's just as secure as our other services.
What you can get with text banking:
* Balance information (BAL ALL)
* Recent account activity (ACT)
* Credit card due dates (DUE)
* ATM locations (ATM + ZIP)
Mobile Bank Website - What is wf.com? wf.com allows you to access account information and make transactions from your phone's web browser. Optimized for mobile use, wf.com provides fast, free, and secure access to your accounts.
With wf.com you can:
* Pay bills
* Transfer funds
* Send money to other Wells Fargo customers
* Explore detailed account activity
* View balance information
* Find ATMs and locations
What are Mobile Banking apps? Our apps are made specifically for your smartphone. They give you fast and free access to account information and use your phone's built-in functions to provide a better banking experience.
With apps you can:
* Do everything wf.com can: pay bills, transfer funds, get balances, and more
* Utilize GPS to get one-touch access and directions to ATM/location information
* Get quick access to Sign On screen
Our apps are supported by Android, BlackBerry, iPhone, and Palm devices.
Mobile Banking Security - We take your privacy and security very seriously. Read about why our Mobile Banking services are secure.
More Mobile Banking Services - Credit Card Rapid Alerts - Quick notifications about credit card transactions sent to you via text.
24 hour bank customer service at 1-800-869-3557