Bank Secured Credit

Secured Low Interest Secured Credit Cards are the perfect way to rebuild your credit.

Secured Credit Cards offer applicants a great way to repair their credit after divorce or bankruptcy. However, most people end up hurting their credit more than helping it.

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. More on how to rebuild your credit with a credit card...

Secured Credit Cards - Bank Secured Credit

Public Savings Secured Visa® Credit Card - Issued by Public Savings Bank Visa

0% APR on purchases for 6 months

No annual fee or monthly fees

Your credit is not a factor! We report to all 3 major credit bureaus

Simple one page application

Category	Public Savings Bank Visa
Intro APR	0% - See Application for Details
Standard APR	11.24%
Annual Fee	$0

Platinum Zero® Secured Visa® Credit Card from Applied Bank® - Issued by Applied Bank Visa

ZERO - 0% fixed APR on purchases - no intro rates!

ZERO - 0% rate won't change - even if you're late!

ZERO application fees

ZERO worries - free personal ID theft protection

Category	Applied Bank Visa
Intro APR	N/A - See Application for Details
Standard APR	0% on purchases
Annual Fee	See terms

Unsecured Credit Cards

Orchard Bank Visa® Cards - Issued by HSBC Bank Visa

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

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 to remind you of your upcoming payment due date with online enrollment

Category	HSBC Bank Visa
Intro APR	N/A - See Application for Details
Standard APR	7.90-28.90%
Annual Fee	$0 - $74 the first year; $35-$79 per year thereafter

Orchard Bank Classic MasterCards® - Issued by HSBC Bank MasterCard

An excellent credit card for rebuilding credit scores; 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 to remind you of your upcoming payment due date with online enrollment

Category	HSBC Bank MasterCard
Intro APR	N/A - See Application for Details
Standard APR	7.90-28.90%
Annual Fee	$0 - $74 the first year; $35-$79 per year thereafter

Pre-Paid/Debit Cards

AccountNow® Prepaid Visa® Card - Issued by AccountNow Visa

$25 cash bonus when you use direct deposit

100% guaranteed approval*

Free credit builder and bill pay

New! Now with the iAdvance^sm loan option

Category	AccountNow Visa
Intro APR	N/A - See Application for Details
Standard APR	N/A
Annual Fee	N/A

Green Dot® Prepaid MasterCard® - Issued by Green Dot MasterCard

Free $0 activation online - with no credit check!

Free cash withdrawals at over 15,000 participating ATMs

No monthly fee for any month with at least 30 purchases

No overdraft or penalty fees. No minimum balance required

Category	Green Dot MasterCard
Intro APR	N/A - See Application for Details
Standard APR	N/A
Annual Fee	N/A

Articles and Updates

Bank Secured Credit Cards FAQ
Is a secured credit card a real credit card? A secured credit card is a real credit card, but it is one that is backed, or “secured” by an upfront cash deposit. A secured card allows a bank to offer credit to consumers who have poor or non-existent credit scores. By having the consumer make [...] ..

5 Secured Credit Card Pitfalls to Avoid
A secured credit card is a real credit card, that is accepted everywhere a “regular” credit card is. You can use a secured card to order online, to rent a car or hotel room, or to pay for things in a store. The only difference between a secured card and a traditional card is that [...] ..

Using a Credit Card to Repair Credit
Once you learn the trick on how to use secured credit cards after bankruptcy to repair your credit credit. your credit score will skyrocket! Keep in mind, this isn't a miracle cure for bad credit, but it is a sure fired way to repair your credit after bankruptcy. ..

About Secured Credit Cards For Students
Secured credit cards for students are the best way for students to build credit in today's economic times. Since credit card default has almost become common place among college students, establishing credit with secured credit cards makes the most sense today. ..

Bankruptcy? Opt For A Secured Prepaid Credit Card
Secured prepaid credit cards are the best way to rebuild your credit in today's economic times. Since bankruptcy has almost become common place, rebuilding and re-establishing credit will be a priority for millions of Americans and right credit cards is crucial. ..

Bank Secured Credit

Low Interest Rate Cards