About Credit Cards & Loans

5 Responses to “What Is The Best Credit Card To Sign Up For, For People Like Me, Who Have Less Than Perfect Credit?”

1. Matt on January 13th, 2010 at 7:25 am

   There are several that will approve you, but very few that you actually want. Orchard Bank is your best bet. They have a small annual fee and none of the other fees normally associated with subprime credit cards. The interest rate is (14.90%) good for a subprime card.
   Avoid First Premier, Tribute, Rewards 660, Imagine, Total, and Continental Finance. The fees are outrageous.
   Avoid Capital One. They do not report your credit limit and that damages your credit score. Example, they give you a $500 limit and you use $250, they will report your limit as $250. This will damage your credit score because instead of using 50% of your credit limit, it looks like you are using 100% of your credit limit.

2. luckiest on January 13th, 2010 at 12:03 pm

   http://www.myimaginecard.com starts out small there is a 4.95 fee you need to have a checking account i got one

3. shorty21 on January 13th, 2010 at 3:04 pm

   orchard bank and u get a 300 limit and they will raise it 6 months after.. Good luck

4. Miss Kitty Katt on January 13th, 2010 at 10:33 pm

   if i were you i would try for capital one…you can apply at the web site http://www.capitalone.com. what’s in YOUR wallet?

5. $m¤¤v¥ £¤¢¤ on January 13th, 2010 at 11:47 pm

   Good luck in finding ine without an annual fee, especially one for people trying to rebuild credit. Orchard Bank will probably be your best bet. They seem to be a pretty good card, hell I even got one of them myself!