Guaranteed Approval Credit Card

In today's economic times you are faced with a tough situation if you have a damaged credit report. This is because you need to have a Visa or MasterCard just to be a 'normal' citizen - the days of only using cash are a thing of the past. You need plastic just to be able to make purchases online, over the phone, even just buying gas at the pump.


However due to all the uncertainty in the credit markets and recent legislation aimed at lenders in the bad credit industry - it has never been more difficult to get a Visa or MasterCard. While your options are limited - you do still have options! Unfortunately the only Visa or MasterCard that offers guaranteed approval are prepaid debit cards.


These are not credit cards and you are not extended a line of credit. Instead you must first deposit money on your card and then you can use your card for purchases. However this card will be issued as a Visa or a MasterCard and is accepted worldwide, online, and over the phone. Additionally you can use it to reserve airfare, book hotel accomodations, rent a car, puchase gas at the pump, ...


We recommend the AccountNow Gold Prepaid Visa because this is the best prepaid card availiable. It not only gives you the purchasing power of a Visa debit card, it also gives you the security. With this card you are covered under Visa's Zero Liability Policy. This means if your card is ever lost or stolen your money is safe and secure!


Further, this card will pay you $25 for free, when you sign up for direct deposit. Additionally they have a free bill pay service that you can pay your bills with. You simply go online and fill in the required info (amount of payment, person / business to pay, and date of payment) and your bill is payed - this is 100% free!


This card comes with guaranteed 100% approval. There is no chexsystems check. There are $0 fees, you will never be charged an over the limit fee, an overdraft fee, or any interest fees! And you can get $25 free with direct deposit!

Click Here to Apply & Get Your $25 Bonus!


Your other option is to go with a secured credit card. We recommend this if your primary concern is creating a positive mark on your credit report. With these credit cards you must first make an initial deposit typically ranging from $500 - $5000.


This deposit is secured in an FDIC and intreast bearing account. However the deposit is used to secured your credit card. You will be issued a Visa or MasterCard with a credit limit equal to the amount of your deposit. For example if you deposit $500 your credit limit on your credit card will be $500.

This deposit is fully refundable it is used in case you default and don't make your credit card payments.


After the deposit this card works just like an unsecured card. You will be charged an APR % (interest rate) and be responsible for making monthly payments. However the benefit to getting a secured credit card is most will report monthly to all three major credit bureaus (read the fine print).

We suggest the Secured Public Savings Bank Credit Card.

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