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	DirectBanc.com - Secured Low Interest Rate 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 - Rebuild your credit with a deposit as low as $300.
	Unsecured Cards - Rebuild your credit without having to pay a deposit.

Secured Low Interest Rate Credit Cards

HSBC Bank Nevada, N.A.

Category	Secured
Annual Fee	$35**
Purch. APR	APR Varies*
Intro Rate	0%
0% APR for 6 Months

Orchard Bank MasterCard® Secured

Initial Credit Limit Up To $1,000
Low Annual Fees
Competitive APRs
Periodic Credit Limit Increase Review*See Details
Complimentary Online Services for Account Management and Payment*See Details

Bank of America

Category	Secured
Annual Fee	$29
Purch. APR	15.99%
Intro Rate	%
No Introductory Rate Available

Bank of America Secured Visa® Platinum Card

Credit Lines Available From $300 to $10,000
Set Your Own Credit Limit
Build or Reestablish Your Credit
Additional Details & Information*See Details
Card issued by FIA Card Services, N.A.*See Details

New Millennium Bank

Category	Secured
Annual Fee	$59
Purch. APR	19.5%
Intro Rate	%
No Introductory Rate Available

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*See Details
Credit Amount Equals the Deposit*See Details

New Millennium Bank

Category	Secured
Annual Fee	$59
Purch. APR	19.5%
Intro Rate	%
No Introductory Rate Available

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*See Details
Get Cash at Over 740,000 ATM's*See Details

New Millennium Bank

Category	Secured
Annual Fee	$59
Purch. APR	19.5%
Intro Rate	%
No Introductory Rate Available

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*See Details
Get Cash at Over 740,000 ATMs*See Details

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