Welcome To Secured Credit Cards Online

May 8, 2010

You have reached a site where all the credit cards offered here are guaranteed approval.

lady with secured credit cards

Get A Secured Credit Card Now

Whether you have good credit, bad credit, or no credit, YOU ARE APPROVED!

Why Choose A Secured Credit Card?

Secured credit cards can be used to build or re-build your credit. They also make great gift cards. Many of our secured credit cards Report To The Credit Bureaus and have built-in credit builder programs.

How Secured Credit Cards Help You Budget Your Money

The credit cards on our secured credit cards page limit you to the amount you deposit on the card. The credit cards on our guaranteed approval credit cards limit you to the amount you load on the card. You can add to these cards whenever you like. You can’t spend more than what you load onto these cards, so you never have to worry about over limit fees. Use these cards to pay bills, take them on vacation, or give them aas a gift.

Why Secured Credit Cards Are Great For College Students

Do you have a child in college? These cards are great way to send them money monthly. It will also teach them how to handle credit. If you choose a plan with credit builder, you can also help them start building their own credit.


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How could I benefit from a Credit Card Debt Consolidation Program?

July 30, 2010

Many people with bad credit history are not aware of the benefits that they can get from credit card debt consolidation programs. They do not know how such programs work. And because of this, they usually steer clear from this credit busting option.

However, almost all finance experts would agree that debt consolidation can assist consumers in finally paying off their existing credit card debts. These professionals know the benefits of consolidating credit card debt and for sure they will encourage people with less than perfect credit scores to try out this credit program.

Read more How could I benefit from a Credit Card Debt Consolidation Program?

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Tips on How You Can Dispute the Errors on Your Credit Report

July 22, 2010

?Before we discuss the tips on disputing errors in credit reports, are you interested to know first the reasons why we encounter inaccurate entries on our credit files? If you are, then we encourage you to read the next part of this article.

Reasons Why We Encounter Credit Report Errors

Truth is record keeping is never perfect. We need to accept the fact that the system of updating our credit records is prone to human error and equipment breakdown. Such problems can cause the three credit reporting firms to issue free credit reports that contain inaccurate information.

Read more about Tips on How You Can Dispute the Errors on Your Credit Report

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Zero Interest Credit Cards – Should You Apply For One?

July 19, 2010

If you are thinking about applying for a zero interest credit card, you need to be clear about some things. In this article, let’s discuss the factors that should affect your decision whether you should get a 0% credit card or not.

Is 0% APR Credit Card for Me?

First of all, why do you want to get a 0% card? Are you going to use it to transfer over your existing balances from a high interest rate card? If so, then you need to be able to find a balance transfer zero interest secured credit card that will give enough time to completely pay off your balances. Some zero interest credit cards give only a 6-month period before going back to regular rates while others give as long as 12 months to enjoy the 0% interest.

Read more about Zero Interest Credit Cards – Should You Apply For One?

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What is An Identity Theft Insurance Policy?

July 16, 2010

A report by the Federal Trade Commission reveals that in 2005, about 8.3 million people in the US have been victims of identity theft.  Of the cases reported, about half resulted to about $500 in damages while 10% has caused $6,000 worth of damages.  Apparently, along with the improvement of technology, cases of identity theft continue to increase more than ever.  In fact, identity thieves have come up with new and more efficient tactics of stealing precious information from unsuspecting victims.

For instance, “skimming” or the use of a small “skimming device” to steal credit card information in just one swipe is now a common incident particularly in restaurants.  When you hand over your credit card to the waiter, your credit card details can be instantly stolen from you without your slightest hint or knowledge.

Read more about What is An Identity Theft Insurance Policy?

Resources:

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How To Fight Back To Debt Collectors Who Cross The Line

July 12, 2010

Borrowers have the obligation to pay back their creditors.  However, due to unexpected turn of events, some borrowers may encounter difficulty in keeping up with their repayment.  When debts are left unpaid for too long, a creditor can assign debt collection to another agency.  When this happens, negotiating debts can become more challenging than ever.

There have been cases when debt collection agencies go beyond their boundaries when collecting payment from borrowers.  The Fair Debt Collection Practices Act clearly stipulates the rules of fair debt collection.  Thus, if you feel that your debt collector is treating you in an undignified way, you have the right to take action.  Listed below are the steps that you can do to fight back against debt collection agencies that cross the line:

Read more How To Fight Back To Debt Collectors Who Cross The Line

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Some Debt Consolidation Loan Mistakes You Need to Avoid

July 1, 2010

Many consumers believe that debt consolidation loans are the best options that they can use to  eliminate their credit woes.

However, some debt consolidation programs present loopholes that may spell bigger credit problems to people who possess bad debts. Many borrowers with poor credit history have committed mistakes in taking debt consolidation and eventually, they found themselves  having a hard time paying off their financial obligations. (more…)

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Practical Tips on Avoiding and Recovering From Credit Fraud

June 25, 2010

Why are we always warned about credit fraud and identity theft? Well there is a sound reason behind such warning. In the recent years, we have seen the alarming increase of incidents and reports of people who became victims of credit fraud and identity theft. A lot of consumer lost not only their identities but also their credibility as borrowers. After all, scam artists and unscrupulous credit organizations manipulated their credit profiles and inflicted severe damage to their credit history.

So, how can we protect ourselves from the cunning and fraudulent schemes of scam artists? Let us identify some practical ways that we can use to avoid succumbing to credit fraud and identity theft

Practical Ways to Avoid Credit Fraud

  1. Constantly monitor your credit report. The best way to avoid getting ripped off by the cunning and illegal activities of scam artists is to regularly check your credit file. Is this a difficult thing to do? Of course not! You just need to contact any of the three credit reporting agencies to obtain a copy of your credit report. The federal law actually entitles you to receive a free annual credit report from each of the three credit reporting agencies. This gives you plenty of chances to check your credit records.

Read more Practical Tips on Avoiding and Recovering From Credit Fraud

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Tips on How to Use Secured Credit Cards Wisely

June 15, 2010

What is the best card you can take to reestablish your credit history? Most finance experts would agree that the answer to this question is a secured credit card. After all by managing this card properly, consumers can have the chance to rebuild their credit profiles and soon receive better financial prospects.

Still these questions remain unanswered: what exactly is a secured credit card? How does it work? Why is it considered a type of credit card for bad credit? And how can I handle it responsibly? The answers to these questions will be found in the remainder of this short article.

What is a Secured Credit Card?

A secured credit card is a type of credit cards especially intended for people with poor or no credit history. The reason behind this is that most providers of these cards do not run credit checks on their card applicants.  To compensate for the risk involved in allowing people with bad or no credit history use credit cards, lenders normally require their card applicants to provide monetary deposit.

Read more Tips on How to Use Secured Credit Cards Wisely

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Equipment Lease Financing for Restaurant Business Owners

June 11, 2010

Do you want to start your own restaurant business? Perhaps you dream of being a restaurant owner but the thought of setting up your own place can be intimidating. Indeed, the price of equipment alone (stoves, grills, coolers, tables, chairs, cash registers, etc) may demand a big start-up capital. But do you have other options?

Some people may consider purchasing used or second hand devices but for a restaurant business, buying second hand stoves, grillers and other kitchen appliance can be risky move since used devices can be prone to breakdowns. In the long run, the cost of repairs or replacement can be a major hassle.

A viable financing option for aspiring restaurateurs is equipment leasing. Instead of purchasing brand new or second-hand equipment, a start-up business owner can “lease” or rent all equipment needed to save money.

How Business Equipment Leasing Works

Business equipment leasing is an agreement between a lending firm and a business owner. The lending company provides the funds that will be used to acquire the equipment or devices. Some leasing companies have partnerships with business equipment vendors. You can also find equipment vendors that offer equipment lease financing at the same time.

Read the full article of Equipment Lease Financing for Restaurant Business Owners

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True Causes of Debt That You Should Be Aware Of

June 11, 2010

When it comes to the risk of bad debt, no one should be complacent. Indeed, anyone can get stuck in serious debt problem at the most unexpected times. This article presents the real causes of debt as consumers need to be aware of. Awareness and preparation is the best way to protect ourselves against the threat of bankruptcy.

Spending more than your income permits. Some people may think that they have their spending under control. But before you make such claim, take out a piece of pen and paper. List down everything you bought or paid for in the previous month. Be sure to include your utility bills, transportation expenses, groceries, and your personal buys. Tall all costs and compare it from your monthly income. Now, ask yourself, “am I guilty of overspending?” You may be surprised to find out that you are spending more than what your earnings allow. Based upon your list, create a new budget plan that will complement your earnings.

Read more True Causes of Debt That You Should Be Aware Of

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