Chosen by Asker

Orchard Bank and First Premier Bank are the two easiest unsecured credit cards to obtain with bad credit. They both also report to the major credit agencies to help you establish credit. You can apply On-line with both cards These cards however, both come with annual fees.

Source(s)

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by tommyguide121

2 years ago

Asker's Rating: 

Orchard Bank. Watch out for the fees; you'll pay an arm and a leg. You also might be able to get a secured card from Capital One, or even Citi. many banks offer low-end cards for people with bad credit even though they might not advertise it. Expect the fees to be sky-high, and interest rates to be close to 30%. One thing I have noticed is that poor people or those without money always pay a far higher price for EXACTLY the same thing than people who do have money.

by kokopelli- 2 years ago

First premier bank, orchard bank, hsbc and capitol one all have credit card programs to help restore your credit. Type them into the search engine and you can find their websites to apply and get more information. Most of the time you will have to start off with a secured card and work your way up. If you make payments on time for 6 months to a year, they will increase your credit limit and other offers will come in. Good luck!

by blessed3times- 2 years ago

Try your local bank first. bankrate.com to compare cards and interest rates you will probably need to start with a secured credit card. Once you get a card and a couple of months of payments behind you, you will be getting a ton of offers in the mail. Watch the interest rates and especially the fine print.

by luckyone_27105- 2 years ago

You can find a complete list of credit cards for bad credit here: www ... Although these cards tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll give you the opportunity to improve your credit score over time-- so that eventually, you can apply for better offers with lower APRs and less fees. Until then, these are the offers you're limited to... Hope this helps. GOOD LUCK!

by Jeremy P- 2 years ago

I have orchard bank card and i like them, the apr is low and the annual fee is $59 and charged annually so just make sure you have more than $59 avail credit for when the next membership fee comes out. i had lost my job unexpectedly and couldnt pay for 2 months, they gladly waived my overlimit and late fees. That in my book was awesome. i hear 1st premier sucks. Oh and btw.Orchard bank is an HSBC credit card .

by Terry J- 2 years ago