1 Credit Menu Your Credit Rating The Importance of a good credit rating. Maintain A+ Credit Tips for maintaining your good credit. Credit Warning Sign Warning signs to be aware of to avoid ruined credit. Result of Bad Credit The negative effects of damaged credit. Fix a Credit Report Steps to take in order to correct an inaccuracy. Credit Building Build a better credit record. Credit Scoring Discover how creditors rate your credit. Credit Repair Scams Avoid con artists and crooked credit repair firms. New Credit Identity Find out about the new credit identity scam. Credit and Divorce Learn how divorce may affect your credit. Your Credit Rights Understand credit laws that protect your rights. Credit and Seniors Getting credit when you're over 62. Card Applications Banks issuing credit cards to those with problem credit. Finance Menu Bad Credit Loans  Use them to get approved for that loan you need. Credit Counseling Credit counselors can help restore credit ratings. Getting Out Of Debt Take control of your debt and finances. Money Management Steps to successfully manage your money. Savings Guide Developing a sound savings plan. Fiscal Fitness Choosing the right credit counselor. Credit Cards Choosing and using credit cards. Mortgage Financing How to get the best mortgage for your home.

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1 Secured Credit Card Applications If you have no credit or a negative credit history, it can be difficult to obtain an unsecured credit card. But, what you may not know is that you may be able to qualify for a secured credit card, which can offer many of the same benefits as an unsecured card.A secured credit card is much like a secured loan. You are required to deposit money into a savings account or a certificate of deposit as collateral for a line of credit. The card has the same appearance as an unsecured card and usually offers the same convenience and charging privileges as a traditional unsecured credit card. Once you're accepted for the card, you are required to make a deposit into a savings account or certificate of deposit as security. The average minimum deposit required can run around $300. The amount of money you deposit should depend on your income and the line of credit desired. However, some insurers will offer credit the same or greater than the amount deposited; some others may offer a credit limit lower than the amount deposited. You may review our list of banks and companies that issue secured credit cards below. Apply for Unsecured Personal Loans! Issuer APR Application Fee/ Annual Fee Deposit/ Interest Paid Telephone No. Amalgamated Mastercard 16.50% $50.00 $500/4.00% 800-365-6464 Amalgamated Gold MasterCard 13.00% $50.00 $5000/4.00% 800-365-6464 American Pacific Bank Visa 17.40% $25.00 $400/2.74% 800-610-1201 Associates National Bank Visa 19.80% $25.00 $300/4.53% 800-884-1832 Bank One MasterCard/Visa 19.99% $25.00 $500/4.08% 800-544-4110 California Commerce Bank Visa 17.00% $40.00 $300/2.25% 800-610-1201 Capital One Visa/Mastercard 19.80% $29.00 $199/%varies 800-445-4413 Chase (USA) MasterCard 17.90% $20.00 $300/4.07% 800-482-4273 CitiCorp Visa 17.15% $20.00 $300/1.50% 800-743-1332 Community Bank Of Parker Visa 15.90% $29.00 $300/1.50% 800-779-8472 First Consumers Natl. Bank MasterCard 19.00% $39.00 $100/2.00% 800-211-7339 First Natl. Bank Brookings MasterCard/Visa 19.80% $35.00 $250/variable% 800-658-3660 First Premier Bank MasterCard/Visa 18.90% $45.00 $400/2.5% 800-987-5521 First Premier Bank MasterCard/Visa 21.00% $69.00 $200/none 800-987-5521 Fort Knox National Bank Visa 18.75% $45.00 $300/2.25% 800-333-8472 Key Bank And Trust MasterCard/Visa 19.40% $35.00 $350/variable% 800-539-5398 Marine Midland MasterCard/Visa 19.80% $35.00 $300/variable% 800-962-7463 Orchard Bank MasterCard/Visa 13.90% $45.00 $200/2.00% 800-488-2720 Sterling Bank & Trust MasterCard/Visa 19.9% $39.00 $200/2% 800-603-0600 Union Planters Bank Visa 18.90% $35.00 $500/variable% 800-628-8946 American Credit Repair Center