Anyone know of any really good secured credit card deals for people who have bad credit? I'm looking for one preferably with minimum annual fees.|||I can understand why you'd what an unsecured credit card. The title itself implies you don't have to put down any of your money. This of course is very misleading.
Stay away from unsecured credit cards for bad credit. It's true; in most cases you don't have to put down a dime..but when you get your 1st bill...you'll most likely see a very large annual fee. I've seen "unsecured" credit cards with an $150 annual fee.
I just think a secured credit card is better. At least if you ever close it, you'll get your deposit back. With the unsecured credit card for bad credit, your annual fee just goes to the bank.
I do agree with a previous author. The Orchard Bank secured credit cards are pretty good ones. You may also want to try First Premier Bank. For people with bad credit, they have reasonable annual fees and pretty low interest rates.
I used to have bad credit..and I had the Capital One Secured Card. It had a low max balance $300 but I always paid my bills and eventually, they sent me an application for the Cap One Platinum card. This had a $10K credit limit.
The moral of the story is get a secured credit card from a reputable bank. Pay your bills online..maybe one day they'll offer you a better credit card.|||Your best bet for an unsecured with bad credit is Orchard Bank.
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