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Credit Card - Suggestions

By John GilbertGrant


Suggestions of cards which are produced and maintained for individuals with an imperfect credit history.

Many cards that allow those with no credit to apply and effectively be granted a credit card in order to start building up and improving their credit card history.

The very first card provided is the Orchard Bank Gold MasterCard. This card comes with all of the privileges and advantages of a normal gold card and reports to all three credit bureaus monthly. This monthly reporting can help enhance your credit score. The annual fee is $79 and the late fee is $35. The card provides a 25 days grace period and an overlimit fee of $30. Thee APR is on the high end at 14.9%.

The next card on offer will be the First Premier Bank Gold MasterCard. This card offers instant notification of approval and 24 hour access to their premiere high quality consumer service. There's a low APR on purchases, a 25 day grace period, a $25 late fee and a $25 overlimit fee. As with the Orchard Bank Gold MasterCard, a consumer needn't be concerned about his or her credit history to be able to be regarded as for this card.

Another card suggested by Credit.com will be the Centennial MasterCard. This card offers a low APR on bought and quality customer service. It also features a 25 day grace period, a $25 late fee and a $25 overlimit fee. The website also recommends the Total Visa Card. This card provides an instant on-line decision as to acceptance and monthly reporting to all of the major credit bureaus. You can access your account on-line for free 24 hours a day, 7 days per week. The annual fee is $48, the grace period is 25 days, the late fee is $29 dollars and the overlimit fee is $25.

The last two cards are the first Premier Bank MasterCard and also the New Millennium Bank Secured Platinum Visa or MasterCard. The very first Premier Bank MasterCard reports to all of the major bureaus, features a low APR on purchases, a 25 day grace period, $25 late fee and $25 'overlimit' fee. The New Millennium Bank Secured Platinum Visa or MasterCard doesn't need a credit check, will approve you regardless of your credit history and has credit limits up to $10,000. The annual fee is $59, the late fee $20 and the overlimit fee $25. However, the APR is an astounding 19.50% so if any in the other cards are accessible to you, it might behoove you to seek them out prior to you apply for The New Millennium Bank Secured Platinum Visa or MasterCard.




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