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UNSECURED CREDIT CARDS
Unsecured Credit Cards are for those with damaged credit, but still good enough so that they do not have to put down any collateral or do not have to open a savings account at the card issuer's financial institution to secure them. Potential unsecured credit cards customers are evaluated based on their credit history, financial strength, and earnings potential. Unsecured credit cards differ from "regular" credit cards mainly in the higher interest rates or in the higher fees they charge to open an account. Regular credit cards are not referred to as "unsecured," and they are for customers with good to excellent credit rating.
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- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- 24-Hour Account Access by Phone
See Rates, Fees & Terms for current information.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- Enjoy 0% on purchases until October 2008
- No annual fee
- Exclusive savings: up to 40% on featured deals and 10% on everything else at the Capital One Saving Zone on Yahoo! Shopping
*See website for Disclosures.
Issuer: Capital One Bank
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 17.80%
APR for Balance Transfers: 17.80%
Balance Transfer Fee: None
Annual Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Reward Program: Saving Zone Discounts
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- 25% annual bonus on the cash you earn*
- 1% cash back on every purchase
- 0% APR on purchases until October 2008. After that, variable APR, currently 14.9%*
- No limit on cash back and rewards won't expire for the life of your account
- Redeem cash whenever you like
- $29 annual fee
*See website for Disclosures.
Issuer: Capital One Bank
Intro APR for Purchases: 0.00% (for (until October 2008))
Ongoing APR: 14.90%
APR for Balance Transfers: 14.90%
Balance Transfer Fee: None
Annual Fee: $29.00
Late Fee: $15-$39
Overlimit Fee: $39.00
Cash Advance APR: 20.90%
Cash Advance Fee: 3%, $10 minimum
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Reward Program: At least 1.25 miles/dollar on net purchases*
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- Low APR on purchases
- Credit decisions in less than 60 seconds
- A Credit Card for Those with Less than Perfect Credit
- Quality Customer Service
- Accepted where you see the MasterCard®/Visa® logo
- Over 3 million credit card holders
- Choice of MasterCard® or Visa®
- Enjoy the benefit of 24-hour phone account access
- Get access to online credit education
- Monthly credit bureau reporting
*See Rates, Fees & Terms for current information.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- Instant On-Line Decision
- Free 24 hour Online Account Access
- Monthly Reporting to All Major Credit Bureaus
- Fraud Protection
- Outstanding Customer Service
See Rates, Fees & Other Costs.
Issuer: Plains Commerce Bank
Ongoing APR: 19.92%
Total Initial Charge: $200.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Late Fee: $29.00
Overlimit Fee: $25.00
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Returned Check Fee: $25.00
Grace Period: 25 Days
Credit Line: Starting at $250.00
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- No Fee Credit Limit Increases*
- $300 Starting and $2,000 Maximum Credit Limit
- Fast Online Response
- Monthly Reporting to Major Credit Bureaus (TransUnion & Equifax)
- FREE Online Account Access
- FREE Online Payments
*See Rates, Fees & Terms.
Issuer: Dakota State Bank
Ongoing APR: 19.92%
Annual Fee: $48.00
Monthly Fee: $10.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: $5.00*
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300 to $2,000
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- Get Your Application Results in Seconds
- Monthly reporting to the Major Credit Bureaus
- Free Online Access
- Excellent Online Tools for Managing Your Finances
- Semi-Annual Credit Limit Increases
- No Minimum Monthly Income Requirements*
- Unsecured MasterCard Accepted at Millions of Locations Worldwide
*Approval subject to other criteria. See Terms and Conditions.
Issuer: First Bank of Delaware
Ongoing APR: 19.92%
Total Initial Charge: $250.00
Annual Fee: $50.00
Monthly Fee: $12.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300-$2,000*
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- Unsecured Gold MasterCard® Credit Card
- Reports to the Major Credit Bureaus
- MasterCard® cards are accepted at over 25 million locations worldwide
- Quick Online Decision
- Important: Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.
Issuer: First Bank of Delaware
Ongoing APR: Prime +11.75%* (Min. 19.50%)
Annual Fee: $150*
Monthly Fee: $6*
Late Fee: $35*
Overlimit Fee: $35*
Cash Advance APR: min. 25.50%*
Minimum Cash Advance APR: 25.5%*
Cash Advance Fee: 5% (minimum $5)
Returned Check Fee: $35*
Grace Period: 25 Days
Credit Line: $300*
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- 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 forTerms and Conditions.
Issuer: First Bank of Delaware
Ongoing APR: 9.75%
Total Initial Charge: $225.00
Annual Fee: $25.00
Monthly Fee: $12.00
Late Fee: $35.00
Overlimit Fee: $35.00
Cash Advance APR: 19.92%
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $35.00
Grace Period: 25 Days
Credit Line: $300-$2,000*
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- Reports monthly to 4 Major Credit Bureaus
- Low APR on purchases
- Get the prestige of a GOLD MasterCard®/Visa®
- All applications accepted
- All credit types welcome to apply
- $50 Credit Limit Increase by Making your first 2 Minimum Payments!
*See Rates, Fees & Terms for current information.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- Monthly reporting to 4 major credit bureaus.
- Low APR on purchases.
- Quality Customer Service.
- All applications accepted!
- All credit types welcome to apply!
See Rates, Fees & Terms for current information.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- 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
View the Credit Terms & Conditions.
Issuer: HSBC Bank Nevada, N.A.
Ongoing APR: 8.90%-15.99%
Annual Fee: $79.00
Late Fee: $30-$35
Overlimit Fee: $30.00
Cash Advance APR: Prime + 17.15% (Currently 22.15%)
Minimum Cash Advance APR: 20.90%
Cash Advance Fee: 5% (minimum $20)
Grace Period: 25 Days
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- Quality Customer Service
- Low APR on purchases
- Instant credit decisions
- Gold Card Prestige
- Reports monthly to 4 Major Credit Bureaus
- Accepted where you see the MasterCard logo
- Over 3 million credit card holders
See Rates, Fees & Terms for current information.
Issuer: First PREMIER Bank
Ongoing APR: 9.9%*
Total Initial Charge: $179.00*
Annual Fee: $48.00*
Monthly Fee: $7.00*
Late Fee: $29.00
Overlimit Fee: $29.00
Cash Advance APR: $19.9%*
Cash Advance Fee: 3% (minimum $5)
Returned Check Fee: $25.00
Grace Period: 25 Days*
Credit Line: Minimum $250*
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- Simple and Easy to use
- Review up to 10 different credit card offers
- Find a credit card at no cost
- Free credit related information
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- Instant On-Line Decision
- Bad Credit? No Credit? Give Access A Try!
- Outstanding Customer Service
- Free 24 Hour Online Account Access
- Reports to All Major Credit Bureaus
See Rates, Fees & Other Costs.
Issuer: Plains Commerce Bank
Ongoing APR: 19.92%
Total Initial Charge: $200.00
Annual Fee: $48.00
Monthly Fee: $8 ($96 Annualized)
Late Fee: $29.00
Overlimit Fee: $25.00
Cash Advance APR: 19.92%
Cash Advance Fee: $5
Returned Check Fee: $25.00
Grace Period: 25 Days
Credit Line: Starting at $250.00
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Lenders will usually charge people with no credit or poor credit a higher interest rate when financing just about anything, and they might even turn them down. In such a situation, you need to do something to have a credit card again. Perhaps the easiest way is to get a new (secured or unsecured) credit card and pay your balance and all your other bills on time. However, for people with bad credit, the options to get a new credit card are limited. This is where our selection of bad credit credit cards might help you improve your financial situation.
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