Your first step in dealing with bad credit is
to honestly examine the reasons for your financial troubles. You
must address the underlying causes first, or your rehabilitation
efforts will be wasted.
Banks and other credit card issuers are very organized in conducting
their business, and you must be very organized in dealing with
them. First, read our Consumer
Overview section. Obtain
and understand your credit reports.
For those with bad credit (or with no credit history at all)
we suggest these programs:
Access
Visa Card
- A credit card for those with less than perfect credit. Instant
online decision. Reports to all major credit bureaus.
Account
Now Vantage Debit MasterCard
Turned down for a checking account? This debit MasterCard offers
free online check writing and bill pay, free paycheck direct deposit,
and low cost money transfer service. No credit check or
CheckSystems. Instant online approval.
Eufora
Pre-Paid MasterCard - This card reports your monthly
payment history to the Trans Union credit reporting bureau - Great
for building new credit or recovering from bad credit.
Continental
Finance MasterCard
- Get a second chance if you have less than perfect credit. Get
your application results in seconds. Monthly reporting to the
major credit bureaus. Free online access - excellent online tools
for managing your finances. Semi-annual credit limit increases.
No minimum monthly income requirements (approval subject to other
criteria.)
New
Millennium Bank Card
You have been approved for a secured Platinum Visa® and a Platinum
MasterCard® with a total credit limit of up to $10,000** (with
both cards) in secured credit! You get the benefits of Platinum
status: emergency cash transfers, free $150,000 accident insurance,
free auto rental insurance, free extended warranty protection.
Guaranteed issue - no credit check. Be approved regardless of
income or credit history. Reports to the three major credit bureaus.
Rewards
660 Visa Card
- Put the power back in your hands. $75 Credit limit increases as often as every 3 months, automatically granted upon qualification.
Also see our:
Prepaid Card List - It is
easy to get a MasterCard or Visa card debit card which draws money
from a deposit.
Debt Consolidation
List - Combine your high-interest debts into one lower monthly
payment.
Catalog Credit List. Some
catalog merchants have very easy credit terms to help you establish
or re-establish your credit payment history, including positive
reports to the credit bureaus.
Secured Credit Card
List - Rebuild your credit rating and history with MasterCard
and Visa credit cards which are secured by a deposit.
Credit Problems Menu
