Bad Credit

Two words that are synonymous with denied loans and shattered dreams are the words “bad credit.” If you’re shopping for a new car or looking to take out a mortgage on a house, bad credit is one of the worst forms of baggage you could bring into those scenarios. Bad credit has the ability to turn a happy day, like signing a car lease or getting the keys to your brand new apartment, into a nightmare.

Without good credit, landlords and loan offices are hesitant to place their trust in you. Bad credit is the result of an accumulation of late credit card payments or months of no payments whatsoever. Fortunately, with enough effort and patience, bad credit can be turned into good credit. It will not happen overnight, but it will happen. One fifth of adult Americans have gotten themselves into financial trouble, so you’re not alone.

For those in a deep financial crisis, a debt consolidation mortgage may be the best option. You’ll pay a fee, but it may be necessary to lower monthly payments, making it easier for you to pay off your credit cards over time. For those stuck somewhere between bad credit and mediocre credit, getting rid of all but two or three credit cards may be what it takes to improve your credit rating. Use these cards for small purchases, and pay off the balance each month.

Along with making monthly payments, cutting down on the amount of credit cards used and preparing financially for certain disasters or emergencies, being a smart consumer, and staying financially responsible are all important parts of getting yourself out of debt and improving your credit score.

Applied Bank® Secured Visa® Gold Credit Card

Guaranteed Approval Regardless of Your Past Credit History
9.99% Low Fixed APR - Your Rate Won't Change Even if You Are Late
Choose Your Credit Limit - From $200 to $5,000
Highest Ratings for Financial Strength and Security in the Country

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	9.99% Fixed*	$50*	N/A*	Poor - Bad, Limited/No Credit*

Capital One® Secured MasterCard®

Get the credit you need with no processing fees or application fees
Automatic reporting to the 3 major credit bureaus
Track credit with access to your credit score and other tools
Your refundable security deposit can get you a line up to $3000
You may qualify for credit line increases with no further security deposit required
Use it like any MasterCard credit card, accepted at millions of locations worldwide

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	22.9% (V)*	$29.00*	Yes*	Bad*

Orchard Bank Classic MasterCards®

An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
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 are available to remind you of your upcoming payment due date

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	14.99% - 24.99%, or 7.99% for secured cards*	$39 or $59 the first year, or $0 - $49 Introductory the first year, then either $35 or $59 per year thereafter*	14.99% - 19.99%, or 7.99% for secured cards*	Bad*

AccountNow® Gold Visa® Prepaid Card

100% guaranteed approval*
No Activation Fee
Free Direct Deposit
Cash Rewards on certain purchases

Orchard Bank Visa® Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit
Acceptance at millions of locations 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 are available to remind you of your upcoming payment due date

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	14.99% - 24.99%, or 7.99% for secured cards*	$39 or $59 the first year, or $0 - $49 Introductury the first year, then either $35 or $59 per year thereafter*	14.99% - 24.99%, or 7.90% for secured cards*	Bad*

Horizon Gold Card

Guaranteed approval!
Bad credit accepted!
No employment check!
Reports to a major credit bureau!

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	N/A*	N/A*	N/A*	*

Platinum Zero® Secured Visa® Credit Card from Applied Bank®

ZERO - 0% FIXED APR on purchases - No Intro Rates!
ZERO - 0% Rate Won't Change - Even If You're Late!
ZERO Application Fees
ZERO Worries - FREE Personal ID Theft Protection

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	0% on purchases*	See Terms*	N/A*	*

Black Diamond Prepaid Visa® RushCard

Free Direct Deposit - sign up now and have a safe place to put your tax refund
Guaranteed approval - no credit check required
Online bill pay and free text alerts
Free Prescription Discount Card from RushCard - save up to 85% on prescriptions

First Progress Secured MasterCard®

Full-feature Platinum MasterCard secured credit card
No credit history or minimum credit score required for approval
Monthly reporting to all 3 major credit bureaus to establish more credit history
Quick & complete online application

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	Prime Rate + 11.74%*	$39*	N/A*	*