Bad Credit Credit Cards

Five of the best sites from companies offering credit cards to people with a bad credit history. Know of another site that should be listed here? Leave your suggestion at the bottom of this page. (Related searches: Credit Cards, Bad Credit Loan, Debt Management)

1. Orchard Bank Classic Credit Cards - Offers unsecured credit cards (no deposit required to makes purchases with the card) or secured credit cards (you make an upfront deposit to “secure” the credit line). Fill out an application and they will make you a card offer that matches your credit history. (www.landing.orchardbank.com)

2. Wells Fargo Secured Card - Secured credit card helps you build your credit. Here are terms and details: “You deposit $300-$10,000 into a “collateral account.” Your credit line will directly reflect the amount of your deposit. You still need to make monthly payments toward any balance you accrue, as with any other credit card. After 12 months, you may be eligible to graduate to an unsecured credit card, and get back the money you deposited in your collateral account.” (www.wellsfargo.com)

3. First Premier Bank Gold Credit Card - Offers an unsecured credit card for people with bad credit, but does charge some hefty fees to get it. Also offers secured credit cards. (www.firstpremierbankgold.com)

4. Bank of America Secured Visa Credit Card - Secured credit card that helps you establish a credit history. Here’s how it works, straight from the site: “You deposit anywhere from $300 up to $10,000 into a Bank of America security deposit account. Your credit line will directly reflect the amount of your deposit.” $29 annual fee. (www3.bankofamerica.com)

5. Citi Secured MasterCard - Secured credit card for people with poor credit or anyone else really — you deposit from $200 to $25,000 into a Certificate of Deposit (CD) and the card’s credit limit is equal to the amount in the CD. If you have bad credit, you might like reading this: “We report your account performance to major credit bureaus, and after 18 months, you could become eligible for an unsecured Citi Platinum Select credit card.” (www.citicards.com)