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Guest · Posted: Sun Jul 13, 2008 8:22 am Subject: Credit cards for bad credit

Not sure if I'm posting in the right section, but are there any good cards for rebuilding credit? I always hear of Orchard, First Premier, are they any good?

Posted: Sun Jul 13, 2008 10:24 am Subject:

I honestly don't know, I avoid anything with the word 'credit' in it like the plaque. Laughing

I'm sure someone will be along to answer your question shortly though, just hang in there. Smile

Posted: Sun Jul 13, 2008 11:24 am Subject:

Orchard and the other garbage is full of fees.Your best option is to talk to either a credit union or your local banker about doing either a secured loan or credit card.Another popular option is the Bank of America secured card.

Posted: Sun Jul 13, 2008 3:09 pm Subject: credit cards

I agree...........Orchard is NOT a good card to go with. I had Orchard for a while. They said they would help me establish credit. For the first 4 or 5 months, that I had the card, they din't report ANY activity on my CR. However....the fees were getting outrageous!! They REALLY 'stick it to ya.' And THEN they report this to the CB's. They are almost impossible to talk to...Customer Service, I mean.

Posted: Sun Jul 13, 2008 7:23 pm Subject: credit cards

try rewards 660 at rewards660.com

Posted: Sun Jul 13, 2008 7:49 pm Subject:

The secured card through boa sounds like a pretty good deal, I have considered going that route myself.

Gilbert · Posted: Sun Jul 13, 2008 8:32 pm Subject:

Orchard is definitely not a card you'd want with perfect credit but, so far I've had no problems with them. I pay my balance in full as soon as my statment is ready. They've updated my credit report perfectly so far. They showed up on my credit report the day after my first statement was paid.

Posted: Sun Jul 13, 2008 9:08 pm Subject: credit cards

i have a rewards 660 credit card it starts with a 300 limit and the minimum payment is 40 a month. try this and tell me waht you think.

Guest · Posted: Sun Jul 13, 2008 10:45 pm Subject:

rewards credit website don't work

Guest · Posted: Mon Jul 14, 2008 8:49 am Subject:

I have a First Premier. Their fees are high, however they report regularly to the credit bureaus. I only use it once a month, and pay it off in full as soon as I get my statement. My credit score has been going up slowly each month.

What is your credit score? That will seriously influence which card you should apply for.

Guest · Posted: Mon Jul 14, 2008 12:39 pm Subject:

Credit score is about 540, I looked at reards 600, by the time you pay all of their fees, you are left with a credit limit of $50

Posted: Mon Jul 14, 2008 2:09 pm Subject:

I looked at them all, some have upfront fees & leave you with a small balance, the others like orchard give you the full amount to use, but if your 1 day late (which didn't help my credit) they call you constantly & charge late fee's up to $39.

Posted: Mon Jul 14, 2008 2:53 pm Subject:

If the reason for getting a secured card is to rebuild your credit, it seems that you would definitely want to avoid paying late, no matter which card you choose.

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