Low Cost Secured Credit Cards

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	DirectBanc.com - Low Cost Secured Credit Cards
	Secured low interest rate credit cards are the perfect way to rebuild your credit. When rebuilding credit with a secured credit card most people feel the need to make frequent charges and carry a balance to prove they can pay on time. However, much to the contrary this is not the best way to strengthen your credit. When a creditor looks at your credit they are only looking for these three things: Length of time the account has been open Credit to balance ratio (how much you owe) Pay history. The credit bureau only shows them if you have been late, not if you have been making payments on time. Lower credit to balance ratio's help your credit scores and your debt to income ratios as well.
	The best way to use secured credit cards is to treat them as a savings account. Every payday or when you pay bills send a little money into the card and do not use the card. This way your credit limit increases giving the appearance of stronger credit.

	Prepaid/Debit Cards - Benefits of a credit card without credit restrictions.
	Secured Cards - For those wanting to establish or rebuild their credit with a deposits as low as $300.
	Unsecured Cards - For those unable to qualify for main-stream credit cards and DO NOT want to pay a deposit.
	Credit Cards for Fair Credit - For those who pay their bills on time but may have lower credit scores.

Secured Low Interest Rate Credit Cards

Bank of America Secured Visa® Card

Start Building a Solid Credit History
Credit Lines Available From $300 to $10,000
Set Your Own Credit Limit
Build or Reestablish Your Credit
See Website for Additional Details & Information*See Issuer

Category	Intro APR	Applied to:	Regular APR	Annual Fee
Secured	No Introductory Rate Available	None	*See application for details	$29

New Millennium Bank Secured Platinum Visa®/MasterCard®

Get Approved for Up To $10,000 in Secured Credit with No Credit Check
Free Companion Airfare
Membership in TheWorldsBestTravelClub.Com, which Offers Cardholders a $69 Cash Rebate on Their First Condo Booking
Guaranteed Issue
Credit Amount Equals the Deposit*See Issuer

Category	Intro APR	Applied to:	Regular APR	Annual Fee
Secured	No Introductory Rate Available	None	19.5%	$59

Applied Bank® Secured Visa® Credit Card

9.99% Low Fixed APR - Rate Won’t Change Even If You’re Late!
CHOOSE Your Credit Limit Up To $5,000*
$0 Fraud Liability
NO Credit Requirements
NO Income Requirements*See Issuer

Category	Intro APR	Applied to:	Regular APR	Annual Fee
Secured	No Introductory Rate Available	None	9.99%	$50

New Millennium Bank Secured Black Diamond Visa®/MasterCard®

No Credit Check
Approved Regardless of Credit History
Total Credit Limit Up to $10,000
Reports to All 3 Bureaus
Get Cash at Over 740,000 ATM's*See Issuer

Category	Intro APR	Applied to:	Regular APR	Annual Fee
Secured	No Introductory Rate Available	None	19.5%	$59

New Millennium Bank Secured Gold Visa® / MasterCard®

No Credit Check
Approved Regardless of Credit History
Total Credit Limit Up To $10,000*
Reports to All 3 Bureaus
Get Cash at Over 740,000 ATMs*See Issuer

Category	Intro APR	Applied to:	Regular APR	Annual Fee
Secured	No Introductory Rate Available	None	19.5%	$59

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