RESOURCES TO HELP BUILD YOUR CREDIT
Building your credit takes time but knowing the right and best resources is a big help. The credit card products on this page can help you build, rebuild, or reestablish your credit history.
Unsecured Credit Card For People Wanting to Rebuild Their Credit
These are unsecured credit cards for people with bad credit who want the opportunity to rebuild their credit score.
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- See if you’re Pre-Qualified with no impact to your credit score
- All credit types welcome to apply
- Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000 (subject to available credit)
- Monthly reporting to the three major credit bureaus
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard® is accepted
- Checking Account Required
| Regular APR | Credit Limit | Annual Fee | Late Payment Fee | Return Payment Fee | Credit Recommended |
|---|---|---|---|---|---|
| 35.90% Fixed | up to $1,000 | $75 - $125 | Up to $41.00 | Up to $41.00 | Fair/Poor/Bad/Limited |
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
- Initial Credit Limit of $300 – $1,000 (subject to available credit)
- Monthly reporting to the three major credit bureaus
- See if you’re Pre-Qualified without impacting your credit score
- Fast and easy application process; results in seconds
- Online account access 24/7
- Checking Account Required
| Regular APR | Late Payment Fee | Return Payment Fee | Intro Rate | Intro Period | Annual Fee |
|---|---|---|---|---|---|
| 35.90% Fixed | Up to $41.00 | Up to $41.00 | See website for Details* | See website for Details* | $75 - $125 |
GUARANTEED APPROVAL CATALOG CARD
These are great credit builders. You get a line of credit that you can use to buy merchandise from their catalog. They will usually report your line of credit to the credit bureaus and even though you can only buy things from their catalog when you see the line of credit on your credit report it just looks like an unsecured credit card!
You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.
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- $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
- Instant Approval*
- No Credit Check
- No Employment Check
- Fast online application
- Bad Credit – OK
- *See site for details
| Credit Line | Monthly Fee | Regular APR | Credit Recommended |
|---|---|---|---|
| $750 Limit (Usable only at TheHorizonOutlet.com) | See website for Details* | 0% APR | Damage credit to Fair credit |
SECURED CREDIT CARDS
These are the oldest form of credit builder out there! People have been using secured credit cards for years as the starting point to building credit. They are great for college students to show them how to manage credit for the first time and they are great for the person with bad credit to start rebuilding. My best friend used a secured credit card about a year after a nasty divorce and bankruptcy. After 1 year of on time payments they made her secured card unsecured! Guaranteed approval and you set your credit limit by the amount of security you put down.
- Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit – Maximum $1,000.
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
| Regular APR | Annual Fee | Credit Line | Credit Recommended | Brand Name | Security Deposit |
|---|---|---|---|---|---|
| 9.99% Fixed | $48 | $200 - $1,000 | Poor/Fair/Limited/Damaged | Visa® | $200 - $1,000 |
Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here” button you can review the credit card terms and conditions on the credit card issuer’s web site.
MONITOR YOUR CREDIT SCORE
As you start building your credit it’s important to utilize a credit monitoring system. Not only will it protect you from identity theft but you will also have a monthly record of all your credit building activities. If you are rebuilding after having bad credit, visually seeing your credit score improve can be very motivating!
TOP 10 CREDIT BUILDING ARTICLES
Need addition help building your credit score? Here are 10 articles I’ve handpicked from our blog to help you on your credit journey! Feel free to live comments on the blog!
- 2018 top 5 credit cards for people with no credit
- A common sense approach to improving your credit and finances
- How to rebuild your credit after filing for bankruptcy
- How balance transfers affect your credit score
- How to finance a business when you have bad personal credit
- Valuable Tips For Choosing The Best Credit Repair Company
- 5 Ways to Fix Your Credit Score
- 4 Factors To Consider Before Applying For A Secured Credit Card
- Secured Credit Cards – The Best Way To Start Building Credit
- Build Trust and Get A Personal Loan For People With Bad Credit