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Secured Credit Card List

This list is update on a quarterly basis, therefore, we are not responsible for changes you may find in our information. Finance charges and interest rates earned reflect current market rates, and may change. There may also be additional charges in addition to those listed.

American Pacific Bank (800) 610-1201 Minimum Savings: $400.00 Maximum Savings: $15,000 Credit Line: up to 250% Interest Rate: 17.4% Annual Fee: $25 Savings Interest: 2.75% Additional Fees: $15 over limit, $15 later fee Available to consumers with no credit or poor credit history	Amalgamated MasterCard (800) 365-6464 Minimum Savings: $500 Maximum Savings: Credit Line: 100% Interest Rate: 16.5% Annual Rate: $50 Grace Period: contact bank Savings Interest: 4.0% Additional Fees: contact bank
Associates National Bank P.O. Box 15487 Wilmington, DE 19885-5487 (800)- 804-1832 Minimum Savings: $300 Maximum Savings: $5,000 Credit Line: 100% Interest Rate: 19.8% Annual Fee: $35 Grace Period: 25 days Savings Interest: 4.53% Additional Fees: $25 over limit, $25 late fee Qualifications: Available to consumers with no credit or poor credit history.	Bank One P.O. Box 29540 Phoenix, AZ 85038 (800) 862-2427 or (800) 554-4110 Minimum Savings: $500.00 Maximum Savings: $5,000 Credit Line: 100% Interest Rate: 19.9% Annual Fee: none Grace Period: 25 days Savings Interest: 3.0% Additional Fees: $25 over limit, $25 late fee Qualifications: Must have proven income. Credit line increases after 18 months with good standing credit No bankruptcy.
AT&T Universal Card Services 5201 Amelia Earhart Dr., #1000 Salt Lake City, Utah 84116-9925 (800)-423-4343 Minimum Savings: $300. Credit Line: 100% Interest Rate: 20.4% Annual Fee: $20 Grace Period: 25 days Savings Interest: 3.27% Qualifications: Available to consumers with no credit or poor credit history.	California Commerce Bank P.O. Box 30886 Los Angeles, CA 90030-0886 (800) 222-1234 Minimum Savings: $300. Maximum Savings: $1,000 Credit Line: 100% / 200% 2nd year Rate: 21% Annual Fee: $50 Grace Period: 25 days Savings Interest: 2.25% Additional Fee: $10 over limit, 5%
Best Bank VISA P.O. Box 29640 Denver, CO 80229-0640 Minimum Savings: $250 Maximum Savings: $10,000 Credit Line: 100% Interest Rate: 12.9% Annual Fee: $95 Grace Period: none Savings Interest: none Additional Fees: $20 late fee Qualifications: Will consider applicants with Previous bad credit, including Bankruptcy. Must be 18 years or older. Need $1,000 monthly income	Capitol One (800) 952-3388 or (800) 333-7116 Minimum Savings: $200 Maximum Savings: $1000 Credit Line: 100% Interest Rate: 19.8% Annual Fee: $29 Grace Period: 25 days Savings Interest: 2.0- 5.0% Additional Fees: $25 over limit, $25 late fee Qualifications: Will consider applicants with previous bad credit, including recent discharged bankruptcy. Must be 18 years or older.
Citizens Financial Group (800) 922-9999 Minimum Savings: $300 Credit Line: 100% Interest Rate: 15.65% Annual Fee: $25 Grace Period: none Savings Interest: 1.5% Additional Fees: none Qualifications: none	First Deposit National Bank P.O. Box 800 Tilton, NH 03276 (800) 867-4126 Minimum Savings: $300 Maximum Savings: $5000 Credit Line: 100% Interest Rate: $39 Annual Rate: 21.9% Grace Period: none Savings Interest: 3.5% Additional Fees: $35 over limit, $25 app. Fee Qualifications: Discharged bankruptcy, credit problems, or no credit okay. Easy qualifying.
First Omni Bank (800) 441-8026 Minimum Savings: $300 Maximum Savings: Credit Line: 100% Interest Rate: 21.4% Annual Fee: $18 Grace Period: Savings Interest: varies Additional Fees: Qualifications:	First Premier Bank, N.A. 900 W. Delaware Sioux Falls, SD 57104 (800) 987-5521 Minimum Savings: $200 Maximum Savings: $10000 Credit Line: 100% Interest Rate: 21% Annual Fee: $50 Grace Period: 25 days Savings Interest: none
First Merit Corporation (888) 554-4362 Minimum Savings: $250 Credit Line: 100% Interest Rate: 16.9% Annual Fee: $10 Savings Interest: varies Additional Fees: contact bank Qualifications: contact bank	Fort Knox National Bank (800) 333-VISA Minimum Savings: $300 Credit Line: 100% Interest Rate: 16.9% Annual Fee: $45 Grace Period: Additional Fees: contact bank Qualifications: contact bank
First National Bank in Brookings P.O. Box 6000 Brookings, SD 57006 (800) 658-3660 Minimum Savings: $250 Maximum Savings: $5000 Credit Line: 100% Interest Rate: 16.9% over $1,000 18.9% under 1000 Annual Fee: $35 Grace Period: 25 days Savings Interest: 3.0% Additional Fees: $20 over limit, $20 late fee Qualification: Including bankruptcies okay. Must have $1,000 monthly income with one year on the job and no credit problems for one year.	Humboldt Bank P.O. Box 1407 Eureka, CA 95502-1407 (707) 269-3299 or (516) 576-0468 Minimum Savings: $300 Maximum Savings: $1000 Credit Line: 100% Interest Rate: 18.84% Annual Fee: $69 first year, $35 thereafter Grace Period: 25 days Savings Interest: 3.06% Additional Fees: $15 over limit, $15 late fee Qualifications: Available to consumers with Qualifications: Previous bad credit or no credit no credit or limited credit.
First National Bank of Martin P.O. Box 6160 Navato, CA 94948 (702) 269-1100 Minimum Savings: $200 Maximum Savings: $2500 Credit Line: up to 400% Interest Rate: 19.8% Annual Fee: $35 Grace Period: 25 days Savings Interest: 1.65% Additional Fees: $10 over limit, $15 late fee Qualifications: Previous bad credit or no credit including bankruptcies okay, Must have $1,000 monthly income with one year on the job and no credit problems for one year.	Key Bank and Trust (800) 539-5398 Minimum Savings: $350 Maximum Savings: Credit Line: 100% Interest Rate: 19.4% Annual Fee: $35 Grace Period: 25 days Savings Interest: Varies Additional Fees: None Qualifications: Contact Bank
Marine Midland Bank P.O. Box 4705 Buffalo, NY 14240-8894 (800) 874-2100 or (800) 962-7463 Minimum Savings: $100 Maximum Savings: $5000 Credit Line: 100% Interest Rate: 19.8% Annual Fee: $35 Grace Period: 20 days Savings Interest: Additional Fees: $20 over limit, $20 late fee Qualifications: Available to consumers with no credit or poor credit history. Will consider applicants who are not U.S. citizens.	Sterling Bank and Trust, FSB Lansing, MI (800) 603-0600 Minimum Savings: $200 Maximum Savings: $5000 Credit Line: 100% Interest Rate: 22.0% Annual Fee: $78 Grace Period: 25 days Savings Interest: 4.0% Additional Fees: $15 over limit, $ 15 late fee $49 app. Fee. Qualifications: Will consider applicants with no credit history or previous credit problem

Unsecured Credit Cards for Individuals with Past Credit Problems or No Credit at all

Yes! It's finally here! An unsecured major bank credit card for individuals with past credit problems or no credit at all! There are several bank across the country that do not require a security deposit in order to obtain approval. If you are at least 18 years of age, have a residency with a telephone, and earn at least $1,000/month household income, you may be approved for one of these major or bank credit cards. These banks generally offer a credit limit of $250.00 - $500.00 and give you the opportunity of obtaining your own major bank credit card without the hassle of opening a savings account for collateral. Please note the requirements and qualifications for each of these banks, and call the bank of your choice.

Bankfirst Card Center P.O. Box 5052 Sioux Falls, SD 57117-5052 (800) 864-5147 Credit Line: $250 - $1000 Interest Rate: 19.92% Annual Fee: $89 Grace Period: 25 days Additional Fees: $18 over limit, $18 late fee Qualifications: Will consider applicants with Previous bad credit problems	Home Federal Card Processing P.O. Box 2388 Shingle Springs, CA 95682 (916) 672-7700 or (530) 672-7700 Credit Line: $3,000 Interest Rate: 19.92% Annual Rate: $50 Grace Period: None Additional Fees: $20 over limit, $20 late fee Qualifications: Will consider applicants with poor credit history including discharged bank-ruptcy. Must be 18 years and have proof of income and address.
Cross Country Bank P.O. Box 15188 Wilmington, DE 19885-5188 (302) 332-3210 Credit Line: $350 - $2500 Interest Rate: 21.24% Annual Fee: $29 over limit, $20 late fee Qualifications: Unsecured line of credit, $18,000 annual income, current residence and job for 1 year. Must be 18 or older.	Premier Card Service Center Sioux Falls, SD 57104 (800) 987-5521 Credit Line: $250 -$2,500 Interest Rate: 21% Annual Fee: $50
United Nations Bank 1502 Route 38 Cherry Hill, NJ 08002 (609) 488-6206 Minimum Savings: $300 Maximum Savings: $5,000 Credit Line: 100% Interest Rate: 14.9% First Year Annual Fee: $40 Savings Interest: 3.3% Additional Fees: $70 application fee Qualifications: Need $95 weekly income. Bad credit okay.