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Bad Credit Credit Card
Bad Credit Credit Card
In a bad economy when people are losing jobs left and right consumers can get in trouble with their credit card debt very easily through no fault of their own. This may have happened to you and now you are looking to rebuild or repair your credit history. Rebuilding your credit history is very important. Finding a credit card company that will offer you credit when your credit record is less than stellar can be difficult. The following review looks at what’s out there in terms of the best credit cards for individuals with poor credit.

Cards designed expressly for people with credit problems

Credit card companies are now offering credit cards for people who are trying to get their financial life back on track. These credit cards are perfectly suited for people with a poor credit history, and little or no credit history. Before taking on any new credit card be sure you are ready to work on reestablishing your credit history and that you will be able to keep your credit balance below your credit limit and be able to make your minimum monthly payments on time each month. Applying for a new credit card before you are financially ready could just add to your credit record problems.

Orchard Bank Credit Card

HSBC through its subsidiary Orchard Bank has four credit card MasterCard options for those individuals with bad credit. If you apply the bank will determine which credit card is the right option for you. The four options include three unsecured credit cards and one secured card.

Unsecured Credit Cards

The unsecured MasterCard credit cards offered by Orchard Bank typically charge annual fees ranging from $39.00 to $59.00. The cards also have moderate APR s that run from 14.9% to 19.9%. The specific interest rate will be determined by your specific credit card history. Remember that if you are able to maintain the payments and not go over your credit limit over time you will be able to apply for credit cards with no annual fees and lower interest rates. Other unsecured credit cards for those with bad credit charge even more in interest rates. For example, the Applied Bank Unsecured Visa Gold card has a flat APR of 29.99%.

Secured Credit Cards

A secured card requires that you deposit your own money and may be your only option if your credit history is really bad. The Orchard Bank secured card requires that you deposit $200 as a minimum security deposit. This security deposit is refundable and the APR is 7.90% with an annual fee of $35.00. This fee is generally waived for the first year. A secured card can help improve your credit history. Orchard Bank reports to all three major credit bureaus. This is exactly what you want when you are rebuilding your credit. Apply for your bad credit credit card below or get more info at bad credit credit cards

Credit One Bank Visa® Platinum Card

CreditOne Bank Credit Card
  • Overall Rating Three Stars
  • Benefit Rating Three Stars
  • Platinum Status
  • Credit Line up to $1,500
  • Automatic Credit Line Increase Reviews
  • Extra Buying Power
  • Choose Your Favorite Card Design
  • Monthly Updates to All Major Credit Bureaus
  • $0 Fraud Liability
  • Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 23.90% or 26.90% Variable* $75 year 1, $99 thereafter, billed monthly at $8.25 No Bad Credit - No Credit

Orchard Bank® Visa® Card

Orchard Bank Visa
  • Overall Rating Five Stars
  • Benefit Rating Five stars
  • 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
Intro APR Intro APR Period Ongoing APR Annual Fee Balance Transfers Credit Needed
N/A 7.90-19.90% 7.90-19.90% based on credit worthiness $0 - $60 the first year; $35-$79 per year thereafter, based on credit worthiness Yes* Bad Credit - No Credit

Wired Plastictm Visa® Prepaid Card

Wired Plastic Visa Prepaid Card
  • Overall Rating Two One-half Stars
  • Benefit Rating Two One-half Stars
  • Accepted everywhere VISA is accepted
  • No Credit Check, Income requirements or bank account required
  • FREE Online Access to Account
  • FREE Mobile Alerts - Text to your mobile and email
  • FREE Bill Pay Service - Pay Anyone Online or Over the Phone
  • FREE Rewards Program - Earn 1 Point for every $1 spent
  • NO Bounced Check, NSF or Overdraft Charges EVER!
  • FREE Direct Deposit - Eliminate Check Cashing Fees
  • Add Cash Instantly at 100,000 Retail Locations Nationwide
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A None* N/A Bad Credit - No Credit Check

Green Dot® Prepaid Mastercard®

Green dot Prepaid MasterCard
  • Overall Rating Two One-half Stars
  • Benefit Rating Two Stars
  • Free $0 activation online - with no credit check!
  • Free cash withdrawals at over 15,000 participating ATMs
  • No monthly fee for any month with at least 30 purchases
  • No overdraft or penalty fees. No minimum balance required
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A N/A N/A N/A Bad Credit - No Credit Check

Public Savings Secured Visa® Credit Card

Public Savings Bank Secured Visa Card
  • Overall Rating Three One-half Stars
  • Benefit Rating Three One-half Stars
  • 0% APR on purchases for 6 months
  • No annual fee or monthly fees
  • Your credit is not a factor! We report to all 3 major credit bureaus
  • Simple one page application
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
0% 6 Months on Purchases 11.245% Variable* None* N/A Bad Credit - No Credit Check

Applied Bank® Secured Visa® Credit Card

Applied Bank Secured Visa Credit Card
  • Overall Rating Three One-half Stars
  • Benefit Rating Three One-half Stars
  • 12.99% low fixed APR - rate won't change even if you're late!
  • Choose your credit limit - from $200 up to $500
  • Monthly credit bureau reporting
  • Genuine Visa® credit card - not a pre paid or debit card
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed
N/A N/A 12.99% Variable%* $50 (first year only) N/A Bad Credit - No Credit Check

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