Editor's Choice : Bad Credit Unsecured Credit Card
If you have bad credit, or even have just been discharged from a bankruptcy, we recommend the Orchard Bank Platinum MasterCard®. People with bad credit have a wide variety of cards to choose from these days : secured cards, prepaid cards with credit builder, catalog cards. However, while you are building or rebuilding your credit, it is very important to get credit from "mainstream banks" and not "finance companies". Orchard Bank is owned by HSBC Bank, one of the largest and most reputable bank in the world.
When you apply for a Orchard Bank Master Card, your credit may be assessed and you will be approved of one of the following four credit cards :
If you actually have a decent credit, you will be approved for a Orchard Bank Prime Platinum Master Card with no annual fee and a 0% apr for balance transfers for 6 months. You may also be approved for the Orchard Bank Platinum Master
Card. This card has an annual fee that ranges from $39 to $69 depending on your credit. There is no application fee. Alternatively, you may get the Orchard Bank Gold Master Card. This one comes with a $79.00 annual fee and a very low application fee of $19.00. If you have no credit, just been discharged from bankruptcy or very bad credit, you will probably be approved for the Orchard Bank Secured Master Card. This comes with an annual fee of $35.
Because Orchard Bank credit cards are specifically designed for those looking to build or rebuild their credit, you are very likely to
be approved for any one of these cards. Furthermore, unlike other credit cards that target those with bad credit, you will find that Orchard Bank credit cards have reasonable annual fees and apr.
Other Unsecured Credit Cards for people with Bad Credit
Below is a list of all unsecured credit cards that are designed for people with bad credit. Because they all have different fee structure, we suggest you read our reviews carefully before choosing a suitable card for you. But as we mentioned earlier, our best recommendation is still the Orchard Bank Mastercard.
|
