Have you heard of the Orchard Banks Platinum MasterCard? Orchard Bank is one of the best banks to approach if you have bad credit. It has actually been hailed as one of the best issuers of sub-prime credit cards. They have credit cards for people with bad credit.

Get Platinum with no fees up front. You get to have the best benefits, including purchase protection. You have a great card to boost your credit. It also reports to all of the credit bureaus every month, helping you boost your score.

Centennial MasterCard/Visa is a company that understands the difficult recovery associated with bad credit. They are able to offer you credit cards during times when other providers cannot. First Premier Bank Gold MasterCard/Visa is another company that can help you with your problems. They have the goal of offering people with imperfect credit with credit cards. There are more than 3 million people who are enjoying them and their accompanying excellent service. Even more, these are accepted anywhere MasterCard and Visa are accepted.

But before diving in, research on the terms of your card. Determine if the interest rate in your card is changing or fixed. If the rate is fixed, the card? annual rate will not change for a duration of time. If it is changing, the APR can shift with the current prime and interest rates. Be certain that you are able to afford the monthly dues.

The fees may not be that great but a major bank backing you up can help with your poor credit rating; that is, if you pay your dues on time. In connection with your problem, it may take you more than a year to fix your score.

If you need to get better credit history, you have to make the creditors see that they have not made a mistake with you. Also, make sure that the company you have reports to the major credit bureaus so that you can prove that you do pay your dues on time.

Make sure you are responsible when you are using your credit card. This will take your score up. Remember, settle dues on time and do not use your card for purchasing things you cannot afford. In due time, with your bad credit credit cards, your credit rating will improve.

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