Secured Credit Credit Card Offer - Secure Credit Card Offer

Secured Credit Card Offer...

A secured credit card offer requires that the credit line is backed by a cash deposit made by the cardholder. Bad Credit, then a secure credit card offer is the way to go. A secure credit card offer is the gateway to the world of unsecured credit cards. If you do well with your secured credit card over an extended period of time, the credit card company will re-evaluate, and offer you an unsecured credit card. Secured Credit Card Offer!

New Millennium Bank Platinum Visa� or MasterCard�

Guaranteed Issue*
Complimentary online services for account management and payments
No credit check*
Be approved regardless of income or credit history*
Reports to the three major credit bureaus

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfer

Credit Needed

N/A*

19.50%*

$59*

Yes*

Bad CreditOK*

Orchard Bank Classic MasterCard�

Reporting to major credit bureaus providing opportunity to rebuild credit
Your choice of payment due dates to fit your schedule
Free Standard Bill Pay and online account management tools
Periodic credit limit increase reviews to strengthen your buying power
E-alerts to your email or cell phone to remind you when a payment is due You could also qualify for a Platinum, Gold or Secured card

Intro APR

Intro APR Period

Regular APR

Annual Fee

Balance Transfer

Credit Needed

N/A*

14.90%*

$49*

N/A*

Bad CreditOK*

Secured Credit Card Offer Reminders:

A credit card is not an invitation to spend money you don't have, and you must beware of falling into a credit card trap. Say you run up $500 on a credit card that charges 15% interest and requires a 2 percent minimum payment (never more than $20) each month. If you never charge another item, but only make minimum payments, it will take 6 years and seven months to repay your debt. When all is said and done you will have paid nearly $300 in interest on the $500 purchase.

Credit card issuers will also penalize you if you pay late or go over your credit limit. Always pay on time, even if it is just the minimum. Late fees have skyrocketed and it's not uncommon to find up to a $30 charge applied for a payment that's only a day late and issuers may also jack up your interest rate without notifying you.

These days, credit extends beyond just the amount of money you owe. Many employers and colleges may review your credit reports to judge your character. A history of late payments, over-the-limit charges, or too much debt may not paint a pretty picture. We hope that this guide will help you avoid credit disasters and give you a better understanding of the credit process.