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  No Credit Cards
- Card for credit that Needs Some Improvement.
- 0% Intro APR on Purchases until October 2008.
- No Annual Fee.
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- Card for credit that Needs Some Improvement.
- 0% Intro APR on Purchases until October 2008.
- 5 Points per dollar spent at gas stations, major grocery and drug stores.
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- 0% APR on purchases for 6 months.
- No Annual Fee.
- $0 Liability on unauthorized purchases.
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- Card for credit that Needs Some Improvement.
- 0% Intro APR on Purchases until October 2008.
- 25% Annual Bonus on the cash you earn.
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- 0% Intro APR on Purchases until October 2008.
- No Balance Transfer fees.
- $19 Annual Fee.
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No Credit - Online Credit Cards
The following credit cards may be able to help build, rebuild or re-establish your credit if you make on-time payments with all of your creditors and maintain your account balances below the credit limits.
Today credit card companies take care of their consumers with no credit history and offer special cards. These cards allow their holders to build good credit history and enjoy its privileges in the future.
The better your credit history is, the more trust-worthy for creditors you are. Well, what to do if you have no credit history? There is always a solution.
• You can become an authorized user of your friend's or relative's card. That's really a convenient way. But if lenders don't report your payment history to credit bureaus, be sure you waste your time down the drain.
• If you decide to be the only holder of the card, there are two variants.
1. You can apply for a secured credit card. It requires a bank deposit that becomes your credit limit for the account. Let's say, you put $500 on your deposit; so that is your limit.
2. The second variant is unsecured cards for no credit. They are issued for consumers who are eager to start credit history. For example, First PREMIER Bank pays great attention to those consumers, and doesn't require checking accounts. It reports to 4 major bureaus every month, what plays into your hands.
However, as you are in the risky consumers group of repayment, cards for no credit require paying higher rates and having a low credit limit. Credit card companies need to be secured from the risk of repayment and money waste. Make payments on time regularly and your lenders will look at you as a reliable borrower and make your limit higher.
You are likely to think what to do in case of denial. Don't worry! Many no credit cards offer a guaranteed approval; therefore you won't be rejected.
Whichever card for no credit you choose, a way to good history takes patience and time. Go towards your aim - good credit score. As soon as you reach your goal, you understand its privilege - to choose among credit cards with the alluring options, such as low APR, balance transfer, and no annual fee.
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News About Credit Cards
Keep up with the latest news of ApplyFast.com! Read the news below or see the extensive news list giving curious facts happened in the credit sphere not long ago.
Increased Credit Card Use
(06:01:42 AM Thursday, May 15, 2008)
Even though the days of easy credit are long gone, the statistics show that Americans are more actively spending money on their plastics than before. Some people use them to make large purchases; others consider plastics as the main source of getting money for everyday necessities. According to the Federal Reserve, the credit card debt rose to 6.7% in the first quarter of 2008. Now it amounts to $957.2 billion.
Credit Card Fines Payment
(03:21:57 AM Thursday, May 8, 2008)
Nowadays you can hardly find a location where credit cards are not accepted. You can pay with your plastic at shopping malls and gas stations, book airlines tickets or rent a car. The number of institutions accepting credit cards is increasing. Now you can use your MasterCard, American Express, Visa and Discover plastics at sheriff's offices in California. They have started to accept credit card payments for traffic tickets.
Got so many questions about credit cards? Or, there are a couple of things you have lost of sight? Consult our Q&A Online Session, resolve your doubts! Our managers are ready to answer you on weekdays. The service is ready to accept your questions 24/7 every day!
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Credit Cards Tips
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Business Credit Cards with Rewards
Business credit cards are a real helping hand for business owners. They allow users to establish business capital, build up the image and add credibility to the name of their company, separate business finances from personal ones and make bookkeeping tasks a lot easier to handle. Many customers value business credit cards for their extremely beneficial rewards programs. Typically, they provide more cash rebates or points rewards than credit cards for consumers and students. You can make the most out of your rewards program if you choose a credit card that matches your kind of business.
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Prepaid Credit Cards
People with no or bad credit history have a limited choice of credit offers: they can apply for unsecured cards for bad/no credit, secured cards or prepaid credit cards. Two last categories require funds to be deposited before using the plastics. The main difference is in the usage of those funds. Secured credit card deposit will be used to cover your debt if you fail to pay your credit bills. Prepaid credit card deposit will be used as your credit line. But if you pay with your own money, is a prepaid credit card really credit?
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Credit Cards after Bankruptcy
Bankruptcy leaves a black mark on your credit score. Your level of credit risk dramatically goes up in creditors' eyes. Fortunately, the effect doesn't last forever. Filing for Chapter 7 or Chapter 13 bankruptcy will affect your credit rating for up to 10 years. Long before the bankruptcy is removed off your credit report, you can qualify for credit cards with good rates and moderate fees. Certainly, a lot will depend on your specific situation, for example the level of income or age of bankruptcy. But you can take measures to improve your credit rating.
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Using Credit Cards Overseas
Having your plastic handy on holiday in foreign countries is a good idea. They can give you lots of freedom and peace of mind due to many reasons. You will be able not to carry lots of cash with you and therefore avoid robbery. You will have sufficient funds in case of an emergency. Many businesses, for example car rentals or hotels require a credit card to leave a deposit. So having a plastic in your wallet will be convenient and beneficial. However, there some pitfalls you should know about. Taking necessary precautions before you leave will help you ensure trouble-free holidays abroad.
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