Best Credit Card Offers specially for you

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for POOR or BAD Credit
Surge Mastercard®

All credit types welcome to apply!

Monthly reporting to the three major credit bureaus

for BAD or NO Credit
Next Millennium

Enjoy a $1,000 Credit Line!

No Credit Checks & No Credit Turndowns!

Credit Cards for People with Poor Credit:


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First Access Visa® Solid Black Credit Card
See TermsSee Terms
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
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Credit Cards for Credit History Improvement

People have limited credit history for a number of reasons. But no matter what those reasons are everybody has a chance to build credit history. The best way to do it is to apply for a credit card that requires your type of score rating.

At, you can find a comprehensive list of credit card deals for limited credit history. Before submitting your application, make sure that you are eligible to apply for one by reading all the details at our website. Remember that there is always an offer that is right for you so keep looking!

If you feel that your credit card application might be rejected because of your limited history, try applying for one of the secured credit card deals. This would be a fine step for a college student to start building credit history or for a consumer who would like to have a better line of credit.

There are great deals for less than perfect credit. This means that you won't have to have a security payment, deposit or collateral of any sort to secure your card. There are options for those with limited or no credit history. Check out credit card deals at and find the one that suits your needs. Compare the deals offered by major banks and credit companies. Fill out the credit card application form and start building credit history now!

Secured credit cards

Apply for a secured credit card and build credit history!

If your credit history leaves much to be desired apply for a secured credit card. If you have decided to do so your first step will be opening a bank account. You will need it to secure the amount of money you want to borrow form the bank. This is how the bank lowers its risks.

You can also use your existing bank account. Your spending limit depends on the amount of money you already have. Usually it does not exceed one half of the sum. When applying for a secured credit deal keep in mind that this offer is not as risky for the bank as a credit card that requires no deposit.

Fees on secured credit cards are much lower than those credit cards requiring no money deposit. That is why secured credit cards are a great option for those with limited or no credit. A secured credit card will simply cost you less so it also a great way to save money.

Look through all the secured credit card deals, read the terms, and start working on your credit history. Apply for a secured credit card to start fixing your credit score!

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Bankruptcy and credit cards

Whenever people apply for credit cards there is always a thought about bankruptcy. Sometimes people can not fight the circumstances and bankruptcy is the only way to straighten out their financial life.

What if you are the one who has been through the process of filing bankruptcy? Do you feel that your credit history has been ruined and there is no way you can get another loan or credit card?

Do not lose heart! Many banks offer after bankruptcy credit deals. Credit card market is highly competitive so banks try to make their offers eligible for as many clients as possible. Even if you have Chapter 7, 11, or 13 on your credit report, do not hesitate to apply for bank deals meant especially for such consumers. There are many offers and you can always find the one that will help you improve your credit history.

You can choose between two major options available for those consumers who have bankruptcy on their reports. A secured card is called so because it is secured by the amount of money you have on your bank account. You can count on better terms when applying for this card. In addition to that, you are more likely to be approved for a secured deal. Building credit history takes time and getting a secured credit card will be a good beginning.

You can also choose among those credit card offers that don't require making any deposits and come with reasonable rates and fees. Consider all pros and cons of cards for less than average credit and apply for the credit card that is best for you!

News About Credit Cards Click here to read more News

New card act brings about more clarity with regard to pricing

[12:46:03 PM Friday, February 25, 2011]

As per the new rules mandated by the CARD Act, 2009, there seems to be greater transparency with regard to pricing for the customers, as per the study conducted by Center for Responsible Lending or CRL.

There has been a reverse trend of sorts, as the unclear pricing had m


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Keep in mind that it is much easier for our experts to help you if you provide comprehensive information on the issue. We are here at your service!

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Credit History Center

1. What is credit score?

When evaluating your credit card application a bank will surely check your credit score. Even if you have never applied for any kind of credit, your creditworthiness is calculated by respective institutions. You are given a score from 0 to 850 according to your credit history, your income, and many other factors. This is how the banks determine if you are eligible for certain types of credit.

There are several different systems used by credit bureaus but the most widely is he FICO system. Take a look at the MINIMUM CREDIT REQUIREMENT section below to see how the score corresponds with the types of credit history. Your credit score is very important for credit card applicants because the lender's decision is mostly based on it. That is why you should do your best to have good credit score.

2. How do you get credit score?

You can get your credit report from 3 major US credit bureaus: TransUnion (personal credit information for consumers and creditors), Equifax (information from various sources), and Experian (consumer credit information). Since 2005 you have a right to receive a free credit report once a year.

You can request your credit report over the phone, through special websites, or send a letter by regular mail. Of course, ordering your credit report on the Internet is the most convenient and easiest way. Even though extra copies will cost you some extra dollars it is a very small fee considering how important it is to know your credit score before applying for a credit card.

3. How to improve your credit?

What if the credit score you have is not enough to get the credit card deal you want? There are always ways to improve your credit score! First of all, pay all your bills on time, even those bills that seem insignificant such as cell-phone bills. Late payments can hurt your credit history badly. Bankruptcy also lowers your credit score.

Having to many credit cards is also bad for your credit history. Apply only for those credit cards that you really need. If you close your account be prepare to see it on your credit report as well. The longer your credit history is the better! Check your credit report to see if you qualify for the credit card deal you want and apply online!

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