In today’s world, maintaining a good credit score is something that everyone is obsessed with. To get a good interest rate on a loan, a good credit card or even get a lower insurance rate, you have to have good credit. But with today’s economic conditions this may not be possible for a lot of people. Even previously stellar, credit worthy people have fallen on hard times and their credit has suffered.

With a bad credit score and bad credit history it becomes harder to get approved for a credit card. Since credit cards are basically unsecured loans the banks have a harder time lending them out than even a car loan because with a car loan they can repossess the secured property (the car). And so credit history and the ability to pay your bills, are the two biggest factors in whether you get approved for a credit card or not. So a negative credit mark on your credit report just may lead to a rejection. In these cases it sure would be nice to find a guaranteed credit card to apply for wouldn’t it? And the best place to find these cards is by filling out a credit card application online

 You will always see me suggest that you apply for a credit card or loan online. The reason is simple. In your little neck of the woods you may have a few banks that may all stick by the same lending requirements. Furthermore, they may have to worry about brick and mortar sites and so their rules may be stricter and their rates may be higher. By shopping online you will be able to compare dozens of credit card companies and find the right guaranteed credit card for you. Simply fill out the credit card application online and you will have your answer in no time. These applications are secure and confidential and give you peace of mind knowing that there is not a paper trail.

Some of the biggest names that provide guaranteed credit cards are First Premier Bank and Orchard Bank. Orchard Bank retains a spot as a widely used guaranteed card (even allowing you to have a secured card even if your score is rock bottom). The First Premier Bank Gold Mastercard is one of the most popular guaranteed credit cards simply because of its “gold” status even though it is typically a credit card for people with bad credit. This means that the credit limits are typically higher and you will have more perks with the card (similar to those perks enjoyed by gold “prime” cards over their non-gold “prime” cousins).

Some of the other credit cards for people with poor credit that First Premier offers are the Centennial Visa, Centennial Mastercard and the Centennial Gold Mastercard.

Not many people know this but the trick to repairing your credit score is to knock off the bad items while adding new, good items. Getting a guaranteed credit card from First Premier or Orchard Bank will allow you to have a new, good credit line that reports to all the major credit bureaus and allow you to build “good” credit as the bad stuff falls off your report. Within a few years, your credit score could do a complete reversal and then the big credit card lenders like Citibank, Chase and others could be begging you to apply.

Right now, if your credit is bad or you have no credit, you might want to look at some of these other bad credit resources;

 Remember, your goal is to get out of bad credit hell and getting a guaranteed credit card is one way to help yourself do this. Check out the credit card companies online and get one today!