Credit Cards : Secured Credit Cards

Secured Credit Cards

If you have no or damaged credit history, secured credit cards are a good tool to establish credit history.

If you never had a credit card, a good first step in establishing good credit is applying for secured credit cards. You may only be able to qualify for secured credit cards, if your credit history is damaged (after divorce or bankruptcy). Secured 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

Accepted anywhere like un-secured credit cards (Hotels, Car Rentals).
Report to credit bureaus.
Establish credit history.
Preset credit limit cannot be exceeded.

Public Savings Bank OPEN SKY Secured Visa® Credit Card

Public Savings Bank's OPEN SKY Secured Visa® Credit Card helps build your credit history at all the major credit bureaus - with a $200 minimum security deposit. Build credit history - we report to all 3 major credit bureaus. No credit check for approval. Prime plus 6.5% variable APR - Not an introductory rate. No checking account required.

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Build credit history - we report to all 3 major credit bureaus
No credit check for approval
Prime plus 6.5% variable APR - Not an introductory rate
No checking account required

Intro APR	Intro Period	Regular APR	Annual Fee	Bal Transfer	Credit Needed
N/A	N/A	9.75%	$0	No	Any Credit OK

Orchard Bank Classic MasterCards

If you're looking for a card with built in benefits you can use on a daily basis and that provides you with the opportunity to build or rebuild credit, you may be interested in the Orchard Bank Classic Cards. As a cardmember, you'll also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages to remind you of your upcoming payment due date with online enrollment

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0% APR for 6 months on purchases and balance transfers,
for qualified applicants*
Accepted at millions of locations worldwide & on websites
Account information is updated and at your fingertips 24/7
Email and text messages to remind you of your due dates
On-call customer service representatives to assist you

Intro APR	Intro Period	Regular APR	Annual Fee	Bal Transfer	Credit Needed
0%	6 months	7.9% - 19.9%	$35 - $79	Yes	Poor Credit OK

Applied Bank® Secured Visa® Credit Card

For a deposit of at least $200, up to a maximum of $5,000, you can get an Applied Bank® Secured Visa® Credit Card even if your credit picture is bad or very bad. The first year's annual fee of $50 is automatically deducted, but there are no other start up fees. While there is no grace period, this credit card (which reports to credit bureaus) has an attractive APR, a 3% fee on foreign purchases, and standard fees on everything else. This offer is for genuine Visa Credit Card from Applied Bank, who is listed as one of the 10 Top Banks in America by TheStreet.com Ratings. Consumers are required to make a Secured Deposit in an FDIC Insured Account that will equal their Credit Limit.