Where can i find a unsecured credit card for people with really bad credit?

Answer 1

www.orchardbank.com
www.householdbank.com

Answer 2

There are several companies that offer unsecured credit cards for people with bad credit. Here is a list

Orchard Bank Mastercard - the issuer is actually HSBC bank (which has taken over Houseshold Bank, which earlier took over Orchard Bank). When you apply for a Orchard Bank Mastercard, you will either be approved of a HSBC Mastercard, Orchard Bank Platinum or Gold Mastercard, or if your credit is really bad, a Orchard Bank Secured Card.

Plains Commerce Bank has a card called Total Visa.

First Premier Bank also has several cards for people with bad credit. The main advantage of this card is that the apr is actually quite low 9.90% (fixed).

First Bank of Delaware issues the Imagine Card, Tribute Mastercard and the Purpose Advantage Card (which can be used where Discover Cards are used).

Most of these cards come with application fees, annual fees and monthly maintanence fees. The card with most reasonable fees is the Orchard Bank Mastercard.

Here is a brief summary of fees and apr.

Orchard Bank Mastercard
Annual fee : $39 - $69
Apr : 15.15%

Orchard Bank Gold Mastercard
Annual fee : $79.00
Set-up fee : $19.00
Apr : 15.15%

Orchard Bank Secured Mastercard
Annual fee : $35.00
Apr : 15.15%

Tribute Mastercard
Annual fee : $150
Account Opening fee : $29.00
Monthly Maintanence fee : $6.50 ($78 annually)
Apr : P+11.75% (min of 19.50%)

First Premier Bank
Annual fee : $48.00
Account Opening fee: $29.00
Participating fee : $6.00 monthly, $72.00 annually
Apr : 9.90%

Total Visa
Annual fee : $48.00
Setup fee : $56.00
Program fee : $96.00
Apr : 19.92%

Imagine Gold Mastercard
Annual fee : $150.00
Monthly Maintanence fee : $6.50 monthly
Apr : P+13.25%, min is 19.50%

Purpose Advantage Card
Annual fee : $9.99
Setup fee : $4.99
Apr : No apr, finance charge is a $2.99 fee per transaction. Balance has to be paid fully. There will be no finance charge if purchase is paid the following day.

Aspire Visa
Annual fee : $150.00
Account Opening fee : $29.00
Monthly Maintanence fee : $6.50 monthly
Apr : P+13.50%, min is 19.50%

Hope this helps. Believe all of them report to credit bureaus.

Answer 3

First Premier. They start you out with a $200 credit limit and you have to pay outrageous fees to get the card, but the interest rate is only 9.9% which is great for bad credit. They are great and never give you a hassle.

Answer 4

If you have really bad credit the last thing you need is another credit card. Stop being a drain on society and get a job and live within your means.

Answer 5

Type "bad credit credit cards" into the search engine and you'll get a list

Answer 6

www.cardoffers.com
www.orchardbank.com
www.creditcards.com
Only apply after reading the details and finding the card best for you. Don't over spend pay your card off monthly. Only do this if you are serious about establishing credit if not it can be like tying a boulder around your neck and jumping off a cliff.

Answer 7

if you've got really bad credit then obviously you cant handle a credit card.

Answer 8

the menu on the left has a bar for credit cards
http://andycaine.creditprov.hop.clickbank.net

Answer 9

There is some useful advice here.