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.

First Access Visa® Card

Reporting monthly to all three major credit reporting agencies
Perfect credit not required for approval; we may approve you when others won’t
Easy and secure online application
If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
Receive your card more quickly with optional Expedited Processing (additional fee applies)
Get a result in as little as 60 seconds upon completion of the online application
Online Customer Center available 24 x 7
Checking account required
The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Intro Rate	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Recommended
N/A	N/A	See Terms	See Terms	N/A	Fair/Bad

FIT ® Platinum Mastercard®

$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply
Monthly reporting to the three major credit bureaus
Initial Credit Limit of $400.00* (Subject to available credit)
Fast and easy application process; results in seconds
Use your card at locations everywhere Mastercard® is accepted
Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
Checking Account Required

Regular APR	Annual Fee	Return Payment Fee	Late Payment Fee	Credit Recommended
29.99%	See Terms	Up to $41.00	Up to $41.00	Fair/Poor/Bad

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!

NET FIRST PLATINUM

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

- No Employment or Credit Check
- Bad Credit, No Credit – OK
- Always 0.0% APR
- Fast Online Applications
*See Card for Details

Credit Line	Regular APR	Monthly Fee	Credit Recommended
$750 Limit (Usable only at TheHorizonOutlet.com)	0% APR	See website for Details*	Damaged 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.

Applied Bank® Secured Visa® Gold Preferred® Credit Card

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!

These Credit Cards Help You Build Or Rebuild Your Credit