Unsecured credit cards for people with bad credit.

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Does Your Credit Need Improvement? Learn How ...

Have you had a hard time qualifying for other credit cards? If so, then this section is for you. The cards we have collected here do not have the best rates or fees. Instead, they are designed to "jump-start" your credit after you have gone through some rough times.

Most people believe that obtaining a credit card will automatically improve your credit scores. This is only partially true. The real trick is to make sure you get the right unsecured credit card and use it the right way... More on Unsecured Credit Cards.

Most Popular Unsecured Credit Cards

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Category	Regular
Annual Fee	$0
Purch. APR	19.55%
Intro Rate	0%
0% on Purchases until December 2008

Capital One® Standard Platinum

Great Choice if You Carry a Balance Short-Term
0% on Purchases Until December 2008. After That, Variable APR, Currently 19.55%
No Annual Fee
Exclusive Savings: up to 40% off Featured Deals and 10% Savings on Everything Else at Capital One® Saving Zone(SM) on Yahoo! Shopping*See Details
Platinum Benefits Including Extended Warranties, Travel Accident Insurance and 24 Hour Roadside Assistance*See Details

HSBC Bank Nevada, N.A.

Category	Poor Credit
Annual Fee	$49
Purch. APR	APR Varies*
Intro Rate	0%
0% APR for 6 Months

Orchard Bank Classic MasterCard®

Receive MasterCard® Privileges and Benefits
Reports to All 3 Credit Bureaus Monthly
Free Online 24-Hour Account Access and Bill Pay
Periodic Credit Limit Increases*See Details
*See Details

First Bank of Delaware

Category	Poor Credit
Annual Fee	$25
Purch. APR	9.75%*
Intro Rate	%
**Rate Varies by Credit Score

Continental Finance Gold MasterCard®

Rates As Low as 9.75% APR*
Unsecured MasterCard Accepted at Millions of Locations Worldwide
Monthly Reporting to the Major Credit Bureaus
FREE Online Access
Excellent Online Tools for Managing Your Finances
Semi-Annual Credit Limit Increases*
Prestige of Carrying a Gold Card
*See Website for Other Fees, Rates, and Terms and Conditions

HSBC Bank Nevada, N.A.

Category	Poor Credit
Annual Fee	$39**
Purch. APR	14.90%
Intro Rate	0%
0% APR for 6 Months

Orchard Bank Platinum MasterCard®

Enjoy the Prestige of Platinum with No Up Front Fees
Premium Platinum Benefits Including Purchase Protection
Reports to All 3 Credit Bureaus Monthly
Free Online 24-Hour Account Access and Bill Pay*See Details
Periodic Credit Limit Increases*See Details

More Unsecured Credit Cards [ Page 1 2 ] +>

	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.

Unsecured Credit Cards Continued - The trick to improving credit is to show restraint to other creditors. Meaning, if you have a $500 limit, keep your balance below $100, this will improve your credit up to 35% sometimes. This shows creditors that even though you have below average credit you are not in "need" of the new credit.

These credit cards are not designed to carry a balance on. You should pay your bill in full each month. The interest rates and annual fees are designed to discourage people from carrying a balance. Usually in about a year, after keeping your payments on time with this bill and other bills you may want try and qualify for another credit card with better terms.

There are a lot of factors that go into the decision to offer credit to people with below average credit. There is not a "magic pill" that you can take that will guarantee you that you will qualify for a better card though.

However, keeping your balances low on your revolving debt, making your payments on time on all bills is a great start to improving your credit and qualifying for a better credit card.