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| Best Credit Cards for Fair/Bad Credit of Feburary 2008 |
| Orchard Bank Platinum MasterCard |
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66% |
[ 6 ] |
| Orchard Bank Classic MasterCard |
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0% |
[ 0 ] |
| Orchard Bank Platinum Visa Card |
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33% |
[ 3 ] |
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| Total Votes : 9 |
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Alex
Joined: 03 Oct 2007
Posts: 17
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DanV8
U POSTER
Joined: 06 Dec 2007
Posts: 33
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 Posted: Thu Dec 06, 2007 3:03 pm Post subject: |
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I don't know... I've never used either one of them, but it seems that the last one has 0% intro apr, balance transfer, etc. Annual fee is kind of tricky! But the rest of them are just n/a-s and no-s and give us money.
If you used any of 'em let me know. I may be applying for one soon   |
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malina
Joined: 04 Feb 2008
Posts: 25
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| Posted: Thu Feb 07, 2008 6:11 pm Post subject: |
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I"ve got through bad credit situation ,
but ORCHARD BANK PLATINUM MASTERCARD helped me to handle it. It is obvious that credit cards for bad or fair credit have very high APR percentage and annual fee, and most of them don't offer Intro APR.
That is because they work with dudes like us. But at least bad credit cards give us a chance to improve situation.
If you need credit history improvement, do not think and apply for one of Orchard bank credit cards!
Take care. |
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malina
Joined: 04 Feb 2008
Posts: 25
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monster77
Joined: 04 Feb 2008
Posts: 12
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| Posted: Thu Feb 07, 2008 6:24 pm Post subject: |
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| Unfortunately, I can't seemed to get approved for anything except the orchard secured card. I'm going to go ahead and get that one pretty soon, but I need an unsecured card that I can charge the repairs on without having to make a deposit. Please help. Thanks. |
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Steve B
Joined: 06 Feb 2008
Posts: 46
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| Posted: Sun Feb 10, 2008 10:54 am Post subject: |
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| monster77 wrote: |
| Unfortunately, I can't seemed to get approved for anything except the orchard secured card. I'm going to go ahead and get that one pretty soon, but I need an unsecured card that I can charge the repairs on without having to make a deposit. Please help. Thanks. |
Monster77,
In your situation you can also try your own bank to get a secured card. I think most of the require a deposit, but they will report your activity to credit bureau which is what will build your credit history, and score. |
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monster77
Joined: 04 Feb 2008
Posts: 12
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| Posted: Sun Feb 10, 2008 11:01 pm Post subject: |
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Steve B,
Thank you for your response. Actually, it is an idea to get secured credit card from the bank where I have checking account (for me it is Bank of America). I've checked information on secured credit card there, so it is not a problem to get one.
I hope secured credit card from Bank of America will help with my credit history!
Thanks again. |
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Steve B
Joined: 06 Feb 2008
Posts: 46
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| Posted: Tue Feb 12, 2008 1:31 pm Post subject: |
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Not a problem,
I remember when I was with no history at all, I was offered secured credit card from my bank.
Glad I could help. |
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SBrat
Joined: 12 Feb 2008
Posts: 10
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| Posted: Sat Feb 23, 2008 8:49 pm Post subject: |
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I agree to get a secured credit card from the bank you have the checking account with would be much easier way. Probabli it will have better impact on your future excellent credit  |
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bigD
Joined: 05 Feb 2008
Posts: 50
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| Posted: Sun Feb 24, 2008 1:33 pm Post subject: |
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| SBrat wrote: |
| I agree to get a secured credit card from the bank you have the checking account with would be much easier way. Probabli it will have better impact on your future excellent credit |
Well no necessarily better impact. All you need to make sure is that any secured credit card, or credit card for bad credit is reporting to all 3 major credit bureaus. That way you'll build you a better credit. |
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