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If your credit score is too low to qualify for a regular credit card (less than FICO 640), a secured card may be your best option. These require a security deposit that will be your credit limit. Choose a card that reports your payment history to the credit bureaus, because this can eventually raise your credit score if you use the card responsibly and make all payments on time. You do not have to use this card -- just keeping it open and in good standing can create a positive credit history. Secured cards offer almost 100% approval, but they also charge higher interest rates and fees.
Capital One Secured MasterCard (MC) Get automatic reporting to the three major credit bureaus. You can even earn credit line increases based on your payment and credit history. This card requires a $200 minimum security deposit and your credit line will be equal to your security deposit. The interest rate is 22.99%, and the annual fee is $29. The refundable security deposit is $49, $99 or $200, based on your credit.Orchard Bank Secured Visa Reports to all three credit bureaus. The minimum security deposit is $200. The rate for purchases is 7.99%, and the $35 annual fee is waived the first year. -- Reported by Bill Hardekopf of LowCards.com.
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