How to get a credit card when your credit is damaged.

Have you destroyed your credit by not paying your bills on time? Have you defaulted on a student loan, declared bankruptcy in the past 10 years, or have you never had credit before? Are you finding it difficult to establish credit because of a poor or damaged credit rating?

There are ways to create a positive credit history. There are companies actually willing to help you establish a positive credit rating. There is hope for your credit rating and your financial outlook.

New Millennium Bank Secured Platinum Visa® or Mastercard®
		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. Reports to ALL 3 Bureaus No Credit Check Be Approved Regardless of Credit History Special High Introductory Savings Rate Bonus $3,000 credit line with My Computer Club * Terms and conditions apply
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A N/A 19.50% $59.00 No Bad

HSBC – 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 establish better credit at the same time, you may be interested in the Orchard Bank Classic Cards. 0% Introductory APR for 6 months on purchases and balance transfers, for qualified applicants* Acceptance at millions of locations worldwide, including website purchases and reservations Your account information is updated and at your fingertips 24/7 so you can manage it your way Email and text messages to remind you of your upcoming payment due date with online enrollment *See website for complete terms and conditions of card usage and application disclosure.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed 0%* 6 months* 14.90% $49.00 Yes Bad

UltraVX Visa® Card
		Now anyone can qualify for a credit card with UltraVX Visa® . It's the only card featuring Credit-On-DemandTM which allows you to grow your credit line up to $25,000. Instant approval (no credit check, no minimum income, no bank account required), reports to the major credit bureaus. Clear Rewards you earn 1 point for each $1 spent, redeem points for Southwest Airlines, American Airlines, jetblue, Marriot, and more with no restrictions. ¦give yourself some credit with UltraVX. Credit-On DemandTM up to $25,000 credit line - Patent Pending Instant Approval: no credit check, no minimum income or bank account required Credit Reporting: reports to major credit bureaus Clear RewardsTM American Airlines, Southwest, jetBlue, Marriot, and more¦no restrictions! Powerful Account Features: direct deposit, bill pay, free alerts, add cash instantly at 100,000 retail locations nationwide *Patent Pending
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A N/A 14.90% $0.00 No Bad

Millennium Advantage Pre–Paid Mastercard®
		The Advantage is yours - apply for The Millennium Advantage Card TODAY! The Millennium Advantage Card is a pre-paid MasterCard® that gives you the convenience of paying bills on-line or over the telephone, making on-line purchases and using your card wherever the debit MasterCard® brand is accepted. Use your card at over 900,000 ATMs and millions of locations worldwide! No credit check or income verification required No Chexsystem check No minimal balance required! Phone and On-line account access Shop and pay bills on-line! *See website for complete terms and conditions of card usage and application disclosure.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A N/A N/A $0.00 N/A Bad

Total Visa®
		Are you discouraged by a poor credit history? Total Visa® offers a credit card for people with less than perfect credit. Apply today and with our instant online decision, you may be approved in minutes. Instant Online Decision Monthly Reporting to All Major Credit Bureaus Free 24 hour Online Account Access Fraud Protection Outstanding Customer Service *See website for complete terms and conditions of card usage and application disclosure.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A N/A 19.92% $48.00 No Bad

Access Visa®
		Apply now for the Access Visa® card! Instant Online Decision Bad Credit? No Credit? Give Access A Try! Outstanding Customer Service Free 24 Hour Online Account Access Reports to All Major Credit Bureaus *View Rates, Fees, Rewards and Other Important Information
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfers Credit Needed N/A N/A 19.92 $48.00 No Bad

Secured Credit Cards are an easy way to establish your credit. A secured card is one that is backed by a savings deposit in the amount of the approved credit limit. You deposit money with the company; and they give you a credit card. They report your use and payment history to the major credit reporting companies, which in turn report to credit companies. If you make small purchases, pay them back on time or in full every month, you create a positive credit history for yourself. If you make late payments or don’t pay at all, they can take the money you have on deposit to pay your debt. Secured credit cards, if used properly, can help you rebuild your credit.

Prepaid Visa or MasterCard or reloadable credit cards are like a prepaid cell phone. The money is on the card, you can use it like a credit card in most places and you can reload them anytime you need more money. These cards do not report to the credit companies so will not help you to fix your credit. They are handy though if you don’t want to carry cash or checks around with you.

Some department stores and many gasoline companies will approve people with less than perfect credit for their cards. These cards generally have fairly high interest rates but if you make small purchases and pay them back in full or on time you can avoid those charges while improving your credit rating.

It can take about a year of careful spending to improve your credit rating. After a year with a secured card you might even be able to use the same company to give you an unsecured card.

Be careful when card shopping to read the small print. There are many hidden fees, charges and costs that vary widely from company to company. If you shop wisely you can get the best rates and lowest fees available while you work to restore your credit.