Balance Transfer Credit Cards for Fair Credit

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Reasons to Use Credit Cards – Even with a Low Credit Score
If you have a low credit score, chances are good you find getting a new line of credit hard to do. It is something that many people struggle with, getting credit when they have a low credit score as it is. However, it can be one of the most important things to do to rebuild [...].

A Low Credit Score Could Deny Your Family the American Dream
It’s crushing and nearly impossible to get out of, but for many, debt is the only way to achieve the American Dream. But, let’s explain that a bit further. If you have a low credit score, it could affect you in many ways. Often, a low score will cost Americans their ability to do the [...].

Understanding What A Fair Credit Score Means When Applying For A Credit Card
Let’s begin by taking a look at credit scores in general. Credit scores can range anywhere from 300 to 850, and are based upon a person’s personal credit history. The only exception to this rule is for a person with no credit, as he or she typically has a credit score of zero. This person [...].

Balance Transfer Credit Cards for Fair Credit

Welcome to DirectBanc.com

Simple, Safe, Comprehensive

We have searched all of the major banks to find the best credit cards for fair credit that is available.

If you're tired of the same boring collection of credit cards that you are offered just because you have fair credit, you're in for a pleasant surprise, enjoy!

Balance Transfer Credit Cards for Fair Credit

Orchard Bank Classic MasterCards® - Issued by HSBC Bank MasterCard

An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!

Acceptance at millions of locations worldwide, including website purchases and reservations

Your account information is updated and at your fingertips 24/7 so you can manage it your way

Email and text messages are available to remind you of your upcoming payment due date

See Full Review

Category	Intro APR	Intro APR Details	Ongoing APR	Annual Fee	Credit Type
Regular	N/A	N/A	14.90% or 19.90%, or 7.90% for secured cards	$0 - $59 the first year, $35 - $59 per year thereafter	Poor, Bad, No Credit,

Capital One® Platinum Credit Card - Issued by Capital One

$0 intro annual fee for the first year; $19 after that

Image Card - personalize your card with an image of your choice

$0 Fraud Liability if your card is lost or stolen

Monitor your spending with free text message alerts

Full Review

Category	Intro APR	Intro APR Details	Ongoing APR	Annual Fee	Credit Type
Regular	N/A	N/A	24.9% (V)	$0 intro for the first year; $19 after that	Fair, Limited

Capital One® Classic Platinum Credit Card - Issued by Capital One

0% intro APR on all purchases until November 2012

Pick an image for your card - choose the one shown here, any of the hundreds in our collection or add your own

$0 fraud liability if your card is lost or stolen

Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection

Full Review

Category	Intro APR	Intro APR Details	Ongoing APR	Annual Fee	Credit Type
Low APR	0%	Until 11/12	17.9-22.9% (V)	$39	Fair,

Orchard Bank Visa® Cards - Issued by HSBC Bank Visa

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit

Acceptance at millions of locations including website purchases and reservations

Your account information is updated and at your fingertips 24/7 so you can manage it your way

Email and text messages are available to remind you of your upcoming payment due date

See Full Review

Category	Intro APR	Intro APR Details	Ongoing APR	Annual Fee	Credit Type
Regular	N/A	N/A	14.90% or 19.90%, or 7.90% for secured cards	$0 - $59 the first year, $35 - $59 per year thereafter	Poor, Bad, No Credit,

Capital One® No Hassle Cash^sm Rewards Credit Card - Issued by Capital One

1% cash back on all other purchases

BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central

No limit on the cash you can earn and cash won't expire

Full Review

Category	Intro APR	Intro APR Details	Ongoing APR	Annual Fee	Credit Type
Cash Back	0%	0%, Until 11/12	17.9-22.9% (V)	$39	Fair,

DirectBanc.com - Differences Between Fair & Average Credit

Average Credit Credit Cards

Overview: Average credit is for people that are current with their bills but may have had a few late payments in the past. The credit score can range from the low 600's to the Mid 600's.
Average Interest Rates: 8.99% - 14.00% (Depending on card type)
Credit Approval Limits : $500 - $5000 depending on your credit score. Longer credit history with higher balances and income to debt ration making the largest difference.
Credit History - You should have had, or have, a loan or credit card in the past that you have had a reasonably good payment history with.
Capacity – Your job/income source must be within reason of your stated income on the application. Your job time and length of residence will be a factor in our decision.
Credit – You may have been late on one or more credit card(s), medical bills, or loan payments in the last 6 months.

Fair Credit Credit Cards

Overview: Fair credit credit credit cards aren't too much different than those for average credit, the biggest difference being the credit limit you are approved for. Fair credit credit cards is for people that are current with their bills but may have had a few late payments in the past. The credit score can range from the high 500's to the low 600's.
Average Interest Rates: 10.99% - 18.00% (Depending on card type)
Credit Approval Limits : $500 - $2500 depending on your credit score. Longer credit history with higher balances and income to debt ration making the largest difference.
Credit History - You should have had, or have, a loan or credit card in the past that you have had a reasonably good payment history with.
Capacity – Your job/income source must be within reason of your stated income on the application. Your job time and length of residence will be a HUGE factor in the decision.
Credit – You may have been late on one or more credit card(s), medical bills, or loan payments in the last month.