If you have never had a credit card, a good first step in establishing good credit is applying for a secured credit card. If your credit history is damaged (after divorce or bankruptcy), you may only be able to qualify for a secured credit card. These credit cards may be able to help build, rebuild, or re-establish your credit history if you make on time minimum payments with all of your creditors and maintain your account balances below the credit limits.

Advantages of Secured Credit Cards

Secured Black Diamond Visa® or Mastercard®

New Millennium Bank is now offering secured Black Diamond Visa and MasterCard credit cards for those individuals with less than perfect credit. With credit lines secured by their savings account in amounts between $300.00 and $5,000.00, these cards can be used just as you would any credit card at over 10 million establishments worldwide. People CAN apply to get both cards and they can even add a co-applicant name and get additional cards.

Extra Card	Min Deposit	Annual Fee	Credit Limit	Regular APR	Credit Needed
see terms	$300	$59	up to $10,000	19.5%	Any Credit OK

Public Savings Bank Classic Secured VISA Card

Like many other secured credit cards, the Public Savings Secured Visa Credit Card offers easy approval and reports your progress to all three credit bureaus. However, the Public Savings card has a number of unique features no secured card can match. It offers a 0% introductory APR for 6 months. This combined with an interest rate that beats most prime cards and no annual fee makes the Public Savings card the best among secured credit cards. The minimum deposit required to open an account is $200.

Intro APR	Intro Period	Regular APR	Annual Fee	Bal Transfer	Credit Needed
0%	6 months	11.24%	$0	No	Any Credit OK

New Millennium Bank Secured Gold Cards

New Millennium Bank is now offering secured Gold Visa and Gold MasterCard credit cards for those individuals wishing to establish or repair their credit. With credit lines secured by their savings account in amounts between $300.00 and $5,000.00, these cards can be used just as you would any credit card at over 10 million establishments worldwide. People CAN apply to get both cards and they can even add a co-applicant name and get additional cards.

Extra Card	Min Deposit	Annual Fee	Credit Limit	Regular APR	Credit Needed
see terms	$300	$59	up to $10,000	19.5%	Any Credit OK

Platinum Zero™ Secured Visa® from Applied Bank®

Genuine Secured Visa Platinum Credit Card with 0% APR on Purchases.

Extra Card	Min Deposit	Annual Fee	Credit Limit	Regular APR	Credit Needed
see terms	$500	see terms	up to $500	0%	Any Credit OK

New Millennium Bank Secured Platinum Cards

A Platinum card can be yours for the taking. New Millennium Bank can approve you for up to $10,000** in secured credit regardless of your income or credit history. Choose a Visa or MasterCard.

Extra Card	Min Deposit	Annual Fee	Credit Limit	Regular APR	Credit Needed
see terms	$300	$59	up to $10,000	19.5%	Any Credit OK

Next Millennium Visa®

Get A REAL Visa! With Up To A $5,000 Secured Line of Credit!

Extra Card	Min Deposit	Annual Fee	Credit Limit	Regular APR	Credit Needed
see terms	$300	$59	up to $5,000	19.5%	Any Credit OK

First Option MasterCard®

The First Option MasterCard Secured credit card is a Real credit card that will provide you with all the privileges of MasterCard credit card.

Extra Card	Min Deposit	Annual Fee	Credit Limit	Regular APR	Credit Needed
see terms	$300	$59	up to $5,000	19.5%	Any Credit OK

More credit building credit cards:
Prepaid Debit Cards with Free Credit Builder
High Credit Limit Catalog (Shopping) Credit Cards
Unsecured Credit Cards for Bad Credit History