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Last Post: 7/8/2016 10:27:28 AM - Followers: 2 - Board type: Free - Posts Today: 0

Prestigious Credit Cards (might be best to avoid because of high annual fees!)

American Express 'Black'

Visa Black

Best Mid-Tier Credit Cards:

Barclaycard Ring Mastercard (no transfer fees, but rate is currently 8%)

First National Bank - excellent card

Secured Credit Cards

With a less than perfect credit score, there are fewer card options out there. If you have had trouble getting approved for an unsecured card in the past, then a secured card may be right for you. Secured cards can help you manage your credit and spending limits, however they do require a cash collateral deposit which then becomes the credit line for that account. The good news is that your monthly payments will be reported to the major consumer reporting agencies, ensuring that your account history is reported to your credit profile.

By making on-time minimum payments to all creditors and maintaining account balances below credit limits, a secured credit card combined with responsible financial behavior may help you establish or rebuild your credit history. Below are some of our favorite secured credit cards offered by our credit card partners.

Best one so far:

Capital One - Secured MasterCard Credit Card

Credit Utilization:

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#17  Sticky Note Credit Monitoring Services: xero90 11/19/14 08:36:11 AM
#28   Here is a new board like "Economic Collapse", wow_happens28 07/08/16 10:27:28 AM
#27   The Best Credit Cards for Holiday Shopping: Decoding xero90 02/09/15 05:37:31 PM
#26   The Difference Between Credit Cards and Charge Cards xero90 02/03/15 08:02:30 AM
#25   Other services to get FREE Scores, etc. xero90 11/29/14 09:04:29 AM
#24 -- Free Annual Report xero90 11/29/14 08:58:34 AM
#23   Installment loans xero90 11/21/14 08:01:32 AM
#22   FICO break-down xero90 11/21/14 07:55:15 AM
#21   How to Get Better Black Friday Deals xero90 11/20/14 07:36:08 AM
#20   8 Common Credit Card Mistakes Shoppers Make During xero90 11/20/14 07:31:21 AM
#19   Credit monitoring services: Pros, cons and how to xero90 11/19/14 09:01:58 AM
#18   What Credit Score Do You Need To Get xero90 11/19/14 08:39:13 AM
#17   Credit Monitoring Services: xero90 11/19/14 08:36:11 AM
#16   FICO's 5 factors: The components of a FICO xero90 11/19/14 08:29:44 AM
#15   HOW TO: From BK7 discharge to 700 in xero90 11/16/14 06:34:26 AM
#14   Top 7 Credit Card Offers For Those With xero90 11/16/14 06:13:47 AM
#13   Decisions about credit and loans involve lots of xero90 11/06/14 12:23:51 PM
#12   FICO scores from 300 to 850 and Vantage xero90 11/04/14 08:18:51 AM
#11   Credit Score Simulator xero90 11/04/14 08:13:39 AM
#10   Does it help to spread your debt across xero90 10/29/14 06:15:04 AM
#9   What's the ideal with utilization? xero90 10/29/14 06:12:40 AM
#8   Should you close credit card accounts? xero90 10/29/14 06:11:50 AM
#7   How many cards should you have? xero90 10/29/14 06:10:53 AM
#6   Credit Limit Tricks: Keep a High Score While xero90 10/28/14 08:34:17 AM
#5   Will closing a credit card account help my xero90 10/28/14 08:28:00 AM
#4   Protecting your FICO score xero90 10/28/14 08:22:53 AM
#3   How FICO scores look at credit card limits xero90 10/28/14 08:22:25 AM
#2   If you are just beginning credit (first credit xero90 10/28/14 08:19:45 AM
#1   Giving a home for credit, credit cards, and xero90 10/28/14 07:58:55 AM