Thank you for addressing your requests to our service. Having no credit score at all, the best method for you is to apply for a secured credit card. At our site, these are offered by Millennium and Orchard banks. Please note that in this case you will have to deposit a certain amount of money to secure your credit and guarantee your paying off the bills in good faith and at a proper time. Nevertheless, such cards are considered to be the most preferable way of building or rebuilding your credit history. Moreover, such cards have guaranteed approval. Please examine our secured credit card offers to get more detailed information.

Thank you for addressing your requests to our service. When you have bad credit (or no credit at all) there is no 100% guarantee that your application will be approved. So the best method for you is to apply for a secured credit card, since these have guaranteed approval. Please keep in mind that you need to deposit a definite amount of money to get such a credit card, nevertheless, these are the best way of establishing your credit history. These credit cards are offered by Orchard and Millennium banks at our site. To get detailed information on them explore our secured credit card offers.

Thank you for addressing your requests to our service. In case you have no credit or bad credit (0-619 of FICO score), the best credit card for you is the Secured MasterCard from Orchard Bank. This credit card is secured which implies that you need to deposit a certain amount of money to secure your credit. However, this one is guaranteed. Plus, it has no annual fee, low APR of 8.9%, grace period of 25 days, and other features (terms and conditions may be changed). Secured credit cards are the best for thos customers who want to build or rebuild credit history. To get more detailed information please explore our secured credit card offers.

Thank you for addressing your requests to our service. Of course, in your case it is much better to apply for a fair credit card. Such cards are developed for the customers whose credit score needs some improvement. And it is quite logical, that the terms and conditions in case with these are better than those of bad credit cards. Our fair credit cards are offered by Capital One bank. Note that some of these have points rewards and cash rebates, plus 0% introductory rate on purchases. To get more detailed information please explore our fair credit card offers.

Thank you for asking your question. We hope our answer helps you. Actually, it is much better to keep your credit cards, even if you do not use them (and of course, if you do not carry balances on these). Closing your credit score will definitely damage your credit score! Certainly, the situation gets much easier in case these cards do not require annual fees. As of the 'ideal' number of credit cards, it all depends on how many of them you own. Experts convince, two or three credit cards is quite enough.

Thank you for your question. Having bad credit you can choose one of two methods of building your worthy credit history. First, you can apply for a bad credit card. But keep in mind that there is no total guarantee that your application will be approved. The only bad credit card which has guaranteed approval is Centennial Gold MasterCard/Visa. Second, there are also secured credit cards for you. Note that you will have to deposit a definite amount of money to guarantee your paying off the bills. Nevertheless, such cards are guaranteed, and they will help you to build your credit history quicker. Please explore our bad credit card offers and secured credit card offers.

Thank you for addressing your requests to our service. So if you want an unsecured credit card, you are free to choose, there are some variants available to the customers with bad credit. At our site, there are some options offered by the First PREMIER Bank. There are four variants of bad credit cards: Centennial Gold MasterCard/Visa, Gold MasterCard/Visa, Centennial MasterCard/Visa, and MasterCard/Visa. But you should keep in mind that unsecured card do not have guaranteed issue, which implies that there is no 100% guarantee that your application will be approved, and the bank may cancel it on their own. And in case your application is denied, your credit score is affected in a negative way and gets lower. So that is why we strongly recommend you to apply for a secured credit card with guaranteed approval. Nevertheless, explore our bad credit card offers.

Thank you for asking your question. We will do our best to help you to resolve your problem. First of all, do not try to apply for those credit cards anymore! Every time your application is denied damages your credit score. The best choice for you now is a secured credit card with guaranteed approval. Such credit cards are developed especially for the customers getting into situations like this. But keep in mind please that when you apply for a secured credit card you will have to deposit a definite amount of money to secure your credit, i.e. the money deposited will be used in case you fail with paying off your bills. The credit linmit of your card will be equal to this money. Secured credit cards are the best choice for those customers who want to build or rebuild their credit history due to their features. So you are free to explore our secured credit card offers.

Unfortunately, a credit card annual fee is fixed and can not be negotiated, even if you have a high credit score and are a credit worthy customer to your bank. If you are looking to save with a credit card, be it American Express, Discover, Visa or MasterCard, you need to apply for either a 0% APR or no annual fee credit card offer. As a rule a no annual fee card is only availabe for good or excellent customers. In case you cannot find a proper no fee American Express card that you would qualify for, a good variant will be a low annual fee offer with this same card issuer. If you meet the requirements of the bank and are approved for one of their offers, you will also enjoy the irresistible 0% intro periods on purchases and lowest intro rates on balance transfers. Best customers will also be able to benefit from lavish rewards programs, allowing them not only to save but to gain. There are lots of profitable no or low annual fees credit cards, you just need to find your best.