Secured Credit Cards,

visiting some referral sites

Secured credit cards can be used as a stepping stone to a regular, unsecured credit. Use your secured credit card to make purchases - just having the card but not using it does not help you build credit. Try to graduate to an unsecured credit card as soon as you can by making sure all your payments reach the company before the due date and staying within your credit limit.

Having a secured credit card can help you build or reestabish your credit, but a missed payment or a bounced check for the payment will set you back badly. If you are having money troubles, at least pay the minimum amount due on your secured credit card by the due date. When you can, make more than the minimum payment to avoid extra interest that will prolong your debt.

After six months to one year of on-time payments and careful use of your credit limit, you may begin to get offers from unsecured credit card issuers. Before accepting any card, read the fine print carefully. Don't cancel your current secured credit card until you receive the new one.

In addition to the best deals on secured credit cards that you'll find anywhere, we also have some spare time to look around this big 'ol Net. When we do we sometimes find sites that we think deserve a bookmark and maybe another look as they appealed to us for one reason or another. Here are some of those sites. While we can't guarantee or warranty any services, products or information you may find on them, we feel that they represent the best of their type and recommend that you take a look at them. With that said here they are. Enjoy.

Secured Credit Cards Helpful Sites

Banking regulators. Try to settle all complaints directly with the company. If that fails, complain to the agency that regulates the issuer.To find out which agency regulates your bank, call the Federal Deposit Insurance Corporation at (877) ASK-FDIC (275-3342), or visit its web site HERE
Better Business Bureau (BBB). Before applying for a card, see if the BBB has any complaints about the issuer.Nationally, the BBB maintains reliability reports on about three million businesses. You can search for businesses and find out how to contact the BBB nearest you at their website HERE
Consumer Action. A national non-profit education and advocacy organization providing consumer advice, referrals to appropriate complaint handling agencies and free consumer education publications. Leave a message and a counselor will call you back. Chinese, English and Spanish spoken at (415) 777-9635 and (213) 624-8327;TTY: (415) 777-9456.Web site: HERE
Credit reporting bureaus. To check your credit report, contact one or all of the three largest credit bureaus. Unless you have recently been denied credit, the cost is about $9.00 per report.
Equifax
Experian
TransUnion
Unsecured credit cards that you can apply for online and get approved quickly. A secure order form is provided and applying is fast and easy. Rebuild damaged credit the fast way. unsecured credit cards
Legislation requiring fair and accurate credit reporting. Fair Credit Reporting Act

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