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Easy Approval
Credit Card

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For anyone who has encountered a financial set-back, the Easy Approval cards present a way to get some credit and start enjoying the benefits of carrying a credit card. The cards presented here may have an annual fee and a higher interest rate than cards you can find elsewhere on this site but are much more flexible on approving those with less than perfect credit. The Orchard Bank cards are of particular interest in that most applications are approved because the bank will offer a card with varying rates and features based on your personal situation.

Updated: 5/18/2013
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Official Data and Rates Features More
Info
First Progress Platinum Elite MasterCard® Secured Credit Card
Credit Level:
Any
Annual Fee:
$29
Norm Rate:
19.99% (Variable)
Purchase Intro Rate:
n/a
Transfer Intro Rate:
n/a
  • Nationwide Program - though not yet available in NY, IA, AR, or WI
  • Credit Line Secured by Your Fully-Refundable Deposit of $300 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Get Your Deposit Back at Any Time
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • No Credit History or Minimum Credit Score Required for Approval
  • 24/7 Access to Your Account Online
  • New! See if you are Pre-Approved in sixty seconds or less — with no harm to your Credit Score!
Click for More Information about the First Progress Platinum Elite MasterCard® Secured Credit Card card
Capital One® Cash Rewards for Newcomers
Credit Level:
Average
Annual Fee:
$0
Norm Rate:
24.9% (V)
Purchase Intro Rate:
n/a
Transfer Intro Rate:
n/a
  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with responsible use -- plus automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • No annual fee
Click for More Information about the Capital One® Cash Rewards for Newcomers card
All reasonable efforts are made to collect and provide accurate information about current Easy Approval credit card offers. Due to the dynamic nature of credit card issuers objectives and requirements, all information is presented without warranty. You may click in the "Apply Now" column to review the Easy Approval credit card offer, terms and conditions on the credit card issuer's web site.


Easy Approval
Insights:

Easy Approval type cards represent a truly excellent opportunity for anyone starting to encounter credit problems or those trying to recover from past credit troubles. If you are unsure of your current standing with the credit reporting agencies, and you do not have an up to date credit report, this may be a good time to acquire your credit score discover any negative marks against your record. You may request your report once a year for free by visiting annualcreditreport.com.

If you are looking for an easy approval card then you are among a very large number of people and this is good news.  Where there are markets with large numbers of potential customers, the banks are going to find ways to address those markets and turn a profit. The way the issuers are justifying these higher risk offers is by increasing the interest rate and adding annual or monthly fees. The way the potential cardholder can minimize these extra expenses is to use the card wisely and eliminate or minimize the outstanding balance every month.

There are two other features of note for easy approval cards. First all the issuers will report the status of your account to the credit reporting agencies at least once a month. Provided you conform to the terms of the card and make timely payments, this should help increase your credit score. Second, as your credit score starts to recover, these issuers will re-evaluate your account and potentially reduce your interest rate, increase your credit limit or adjust your monthly or annual fees.

Like most financial transactions, the banks want to make money from the consumer and the consumer wants to limit expense. By conforming to the terms and meeting the payment obligations, you can gain the most benefit with the least amount of cost.



Recent Easy Approval Headlines
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See Full Text FTSE climbs on U.S., Japan stimulus hopes, unfazed by downgrade
See Full Text Motorola offers $50 Google Play store credit for new smartphone buyers

Easy Approval Related Articles
Credit Bureau Reporting, a bonus of Easy Approval cards.   by Derek Lenehan
Easy approval credit cards are for the many of us who have pretty bad credit. These cards have a significantly lower set of standards for an applicant to be accepted, and are available from several issuing companies.   Read More

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