CREDIT CARDS

Credit cards can help rebuild your credit history by establishing positive trade-lines on your credit report. Unlike prepaid or debit cards, monthly payment activity will be reported to the major credit bureaus on all transactions made with unsecured & secured credit cards. Using your card for occasional purchases, maintaining a low balance and making on-time payments, along with responsible financial behavior, can improve your credit scores.

Please review the online applications below for details regarding the terms and conditions of each company as well as their offers, initial deposit, fees and required documentation for the process. Do not hesitate to contact us with any questions or if you need additional assistance.

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Unsecured Credit Cards

An unsecured credit card simply means there is no collateral associated with the account it-self. The credit limit is based on the lender's assessment of your credit worthiness using traditional factors such as credit scores, credit reports, payment history, current and previous trade-lines and other indicators of your ability to be financially responsible. Unsecured credit cards usually have lower fees, better interest rates, higher limits and reward programs not available with secured credit cards.

Secured Credit Cards

If you've had trouble getting approved for an unsecured credit card in the past, a secured credit card may be right for you. Secured credit cards are specifically designed for newcomers with no previous or current positive credit history as well as consumers with low scores caused by negative items present on the credit report. These types of cards must be funded with a security deposit at the time of the application. For example - if your initial deposit is $200, your credit limit is $200. ​

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