Best Credit Card Offers specially for you

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RequestCredit.com is an independent, advertising-supported web site which is compensated by the credit card issuers whose offers appear on the site. This compensation may impacts how and where the credit products appear on our site, including, the order in which they may appear within credit product lists. RequestCredit.com does not review or offer all available credit products.
for POOR or BAD Credit
Horizon Gold Credit Card

$500 Credit Limit. No Credit Check.

Must have Active Debit Card or Credit Card to qualify.

for BAD or NO Credit
Surge Mastercard®

All credit types welcome to apply!

Initial Credit Limit of $500.00!* (subject to available credit).

Credit Cards for People with Poor Credit:

 

Bank`s name
Card`s name

Credit History

Annual Fee

Application Processing Fee

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WebBank/Fingerhut Credit Account
Bad
$0See Terms
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Credit One Bank® Platinum Visa®
Poor
$0 - $99See terms
  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
Milestone® MasterCard® - Bad Credit Considered
Bad/Poor
$35 - $99*See Terms
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Next Millennium
Bad/No
N/A$29.95 Account Activation Fee
  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
National Credit Direct
Any
$49$0
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
Compare The Most Attractive Cards
6 In Accordance with Terms and Conditions.

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 RequestCredit.com, 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 RequestCredit.com 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!

Get Free Credit Score NOW!

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

 

Credit Card Help Ask your question

If you find some of the credit terms confusing or want to know more about an offer, submit your question using our Credit Card Help Desk form.

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!

 
Get Your Credit Score NOW!

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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