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Damaged Credit Credit Card Applicants Have Hope!
It’s amazing how difficult it is to qualify for any sort of loan or credit card if you have bad or damaged credit. And it’s difficult to rectify past credit wrongs without reestablishing new credit trade lines such as credit cards or loans. It can seem like a no win situation for many individuals in this state. However, just establishing one new trade line can help to rapidly boost your credit score and rating. And there are several new credit cards out there that are designed for people with damaged credit.
One of the best is the First Premier Bank Gold Card. It’s relatively easy to qualify for to begin with. Most importantly it reports monthly to the major credit bureaus so you can be sure that as long as you make your minimum monthly payment each month, your credit is improving. The annual APR is equivalent to this sort of “introductory” level credit card at about 16% APR, however with time you will be able to qualify for a lower rate with another credit card as long as your are consistent with your payments. You really have nothing to lose in trying to get this card because it only takes 60 seconds to know if you qualify. Remember, this card is designed for applicants with damaged credit so just because you might possibly have been turned down by other credit card companies doesn’t mean you will be shut down by First Premier. That phone call could be your first step towards repairing your credit and qualifying for the credit card you want and deserve!
|| CLICK HERE TO APPLY ||
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By Steve Borrelli from Sterling Home Mortgage
Photo Credits: CarbonNYC (cc)
Build or rebuild a solid credit history
For many individuals with damaged or bad credit, there can be few options when it comes to the world of credit cards. Even the cards that are marketed towards individuals that fit the damaged credit profile are often not offered in scenarios where the credit scores or history are too low. A good option is a secured credit card like the Bank of America Secured Visa Credit Card.
This card helps you establish a credit history and demonstrate a positive repayment history for people with bad credit. You can deposit between $300.00 to $10,000.00 into a Bank of America security deposit account. Then your credit line will directly reflect the amount of your deposit. You can make purchases with your card up to the amount you have in your account. As long as you make the minimum payment before the due date each you credit should increase. Keep in mind however that your security deposit doesn’t cover the minimum payments each month; those have to be made. Then based on your credit and payment history with the secured card, you many qualify for an unsecured credit card with Bank of America at a later date.
There is a small annual fee of $29.00 and a $4 fee for balance transfers but that is a small price to pay for repairing your credit. Additionally the card comes with all the benefits and protection of an unsecured Bank of America credit card. Its nice to know that there are options out there even for those of us with bad credit.
|| CLICK HERE TO APPLY ||
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By Steve Borrelli from Sterling Home Mortgage
Photo credits: dotbenjamin (cc)
PrePaid credit cards are not just for people with no other Credit Cards.
Planning, planning, planning.
These are the 3 most important words in Financial Planning, and now it is the time to start planning for the Holiday Season. Too early you say? Of course, time is indeed on your side, if you plan early.
Budgets, limits, lists, online, offline, on your PDA or iPhone sound like great ideas until you actually try to use one of them.
What if I were to tell you that there’s an easy and smart way to not only plan for the Holiday shopping, so that it doesn’t get out of control, that’s easy to manage, and will not force you to wait until the last minute to fight the mobs at the mall?
There’s is such a solution: get yourself a prepaid credit card now. Get one now, and start sending small amounts of money to it on a weekly basis, whenever you get paid, or when you have extra cash. By the time the holiday season comes around, you’ll have your budget stored into this one single card, ready to take advantage of the early sales when the stores are fully stocked, the clerks still have time to help you out, there are plenty of sizes and colors and models and special editions, and the stores still look like pleasant stores, untouched by the shopping storm.
Simply brilliant.
Click here to find some of the best and latest deals in prepaid credit cards, or you could check out the latest offering in prepaid credit cards by Ready Debit, now with FREE Credit Builder, and available in three very fashionable colors:
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Photo Credits: hans s (cc)
The best prepaid credit card with special features for the students and families: Wal-Mart MoneyCard
Back to school? First year of college? Exciting times, and mixed feelings for the parents.
In recent years prepaid credit cards have become the method of choice for parents to send money to their sons and daughters in college, and to make sure that they have some emergency money without the temptation of cash. Credit cards companies have listened to the customers and have added benefits and bonuses to make life easier for everyone, from the ease of funding, to the online management, and protection.
Wal-Mart has partnered with GE Money Bank, member FDIC, to release the MoneyCards loaded with many features and some of the lowest costs in the market, Wal-Mart style.
Both the Student Edition and the Family Edition (SharePak) share the same long list of benefits:
Easy To Get
- No credit check (*)
- No bank account required
- Instant use Temporary Visa Card in package. Activate with one easy call. (*)
Easy to Use
- Use it everywhere Visa debit cards are accepted worldwide
- Shop on the Internet, including at walmart.com
- Get cash from millions of ATMs worldwide. (*)
- Pay your bills fast and easy including cable, cell phone & other bills
- Pay for gas, groceries and more
- Use at restaurants
- Guarantee hotel reservations
- Buy airline tickets
- Budget and track spending online with E-Mail/SMS Balance Alerts
Reloadable: You can reload your personalized Wal-Mart MoneyCard over and over again.
- At participating Wal-Mart stores, you can go straight to the cashier and swipe your Card to load with cash or you can cash a payroll or government check and load part of all of that check onto your MoneyCard. Reload and check cashing fees apply.
Convenient: Your Wal-Mart MoneyCard is a convenient way to enjoy the purchasing power you deserve. (*)
- No purchase transaction fees
- They’ll waive the reload fee when you add funds by cashing an eligible payroll or government check at Wal-Mart (the $3.00 check cashing fee still applies).
- No reload fee when you add funds by Direct Deposit
- Your monthly fee is waived when you deposit a minimum of $1,000 to your Card in the preceding calendar month.
It’s Safer than Cash
- The Visa Zero Liability Policy protects you from unauthorized purchases, fraud and theft if your Wal-Mart MoneyCard is ever lost or stolen (*)
|| CLICK HERE TO APPLY ||
World’s worst Credit Card
Information is power. This video is an interesting piece of investigative reporting that will be of interest to people with a challenging credit score.
Just like the video says, shop around for your best deal, you’ve got options to re-built your credit score. We can help:
- Prepaid credit cards.
- Credit cards for people with bad credit.
- Credit cards for people with no credit.
No Credit And You Live In The USA: Premier Bank Platinum Card Is Just What You Are Looking For
Unfortunately, thousands of Americans are faced with bankruptcy that destroys their credit and leaves them with very few options. Premier Bank Platinum Card is giving those people a way to reestablish their credit and get them back on their way to financial recovery.
If you’ve been turned down for an unsecured credit card because of bad credit, don’t feel alone. There are many more like you in this country. What you need is a way to slowly get yourself out of debt and build the credit back you deserve. The Premier Bank Platinum Card is just the way to help you do that. Not only will they help you build your credit back, but they will also send you a free guide to help repair the bad credit you have.
This company is devoted to helping people get back on their feet while teaching them the proper way to handle their finances. They offer a slow line of credit that builds as you begin to recover your lost credit ratings. As your credit rating rises, so does the line of credit. All along the way the friendly agents at Premier Bank Platinum Card Company will be teaching you how to manage what you have and prevent you from over extending yourself.
Don’t let other credit card companies make you feel unimportant; Premier Bank Platinum Card understands your frustrations and will never make you feel shameful for your past credit history; they just want to help you recover.
|| CLICK HERE TO APPLY ||
Can a Credit card replace a bank account? It takes a special Credit Card, but it is indeed possible.
Can a Credit card replace a bank Account? It takes a special Credit Card, but it is indeed possible.
Kristine C. contacted us. She and her husband are suffering the consequences of the snowball effect of her being laid off and his long illness. They got behind with some bills and their credit and finances are in such a bad shape that they’ve seen all of their credit card accounts closed. When their checking account was closed as well, they had to resort to check cashing services to cash the husband’s paycheck, and to to the Post Office to get money orders to pay their bills. But such a system is both time consuming and expensive.
Kristine C. was asking if we knew of a better way. We didn’t.
But after some research, and emails to our network of friends and spotters (some of them are real cheapscapes and know all about money and how NOT to spend it), we got wind of a Credit Card that claims to be better than a bank account.
It’s the people at AccountNow, a pre-paid credit card that promises:
- 100% approval guarantee (*)
- $0 upfront fees with direct deposit
- No overdraft fees
- Pay Bills Online
- Shop or use ATM’s
- Protection from unauthorized purchases with MasterCard’s Zero Liability protection (*)
- Help build credit by reporting your payment history
- Member of the Better Business Bureau since 2006
- Member FDIC
If your situation is similar to Kristine’s, and you are looking to save time, money, and build your credit with peace of mind, give AccountNow a try.
|| CLICK HERE TO APPLY ||
(*) See the official AccountNow Card site for details.
The Best of Books on Personal Credit from Amazon.com
Are you overwhelmed by too much information about your personal credit? Is most of the information arriving to you from the Credit Cards companies and other companies that might not have YOUR best interest in mind? Get smart, invest a few dollars and a few hours in a good book that will guide you to manage, preserve and improve your personal credit, and make the most out of your credit cards and other tools to manage your personal finances.
Thanks to Amazon.com we are presenting the bestsellers books on personal credit:
The Perfect Card to Repair your Credit
Nobody understands the needs of those people in the process of improving or repairing their Credit Score than Orchard Bank. They have put together a generous package with their Orchard Bank Classic Cards Program where the highly customizable set of features will practically guarantee that you will be able to qualify for the card that have the best deal for you and matches your preferences of ease, rewards and features: from customizable APR, to no fee or low fee, to rewards and other benefits *; all accessible with an easy interactive Q&A process.
You are only a few minutes away from owning the card made just for people like you.
|| CLICK HERE TO APPLY ||
(*) See Orchard Bank official web site for details.
No Credit? Low Credit? Bad Credit? Now you can start your credit history or start over.
Finally there’s a credit card that understands special situations like:
- No credit history;
- Low credit history;
- Bad credit history.
Don’t let this stop you from enjoying things that require credit cards like shopping for online deals, buying and selling on eBay, making reservation at that special restaurant or checking into a hotel.
Bank Freedom understands and makes it possible for you: no credit check, no bank account or no employment is necessary to qualify for their prepaid MasterCard that features:
- Free card issuance;
- Free customer service;
- $0.00 monthly fee with direct deposit;
- No NSF fees or overdraft fees;
- No late fees;
- $0.00 annual fees.
100% Guaranteed Approval **
(**see site for details)
|| CLICK HERE TO APPLY ||
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