Credit Card Applications

You Have Bad
Credit History?

Horizon Gold Credit Card
Horizon Card Services
Horizon Gold Credit Card

$500 Credit Limit. No Credit Check.

Reports to a Major Credit Bureau.

Cash up to $1,000.

Bad Credit OK.

Bank Name
Card Name
Credit HistoryAnnual Fee Activation Fee Apply / Details
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
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  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
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  • Shop thousands of your favorite brands.
  • Enjoy a $1,000 Credit Line! To purchase popular brand name products exclusively at our online store.
  • No Credit Checks & No Credit Turndowns!
  • We won´t check your credit and you will not be denied for bad credit. Buy Now...Pay Later!
Poor / Bad$35-$75$0
  • 1% back on all gas purchases.
  • No limit to the gas rewards you can earn.
  • Rewards post to your account automatically each month.
  • Get pre-qualified without affecting your credit score.
  • Make your first six payments on time and get a credit line increase.
  • Keep an eye on your credit information with free online monthly credit score tracking.
  • Choose your card design from our premium gallery.
  • Email or text alerts to remind you when your payment is due.
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  • Apply online using our 100% secure 3-step application. No faxing required.
  • 4 out of 5 applications are approved.
  • Once approved your loan is deposited into your bank account overnight!
Any Credit (No Credit Check)$49$29.99
  • No Credit Check.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.78
  • 0% APR.
  • Reward Points for every dollar spent.
  • Shop Brand Name Merchandise.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
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Improve Your Credit History

Here you will find credit card applications for people with bad credit scores, limited credit, and no credit history. Although credit cards for bad or limited credit don`t usually have low rates or rewards programs, they are essential in helping you establish or rebuild credit. Even though the terms aren`t the best, credit cards for poor credit are extremely useful. Not only do they act as a stepping stone toward building your credit, but if you are responsible using the card and paying the bill you will be able to get a better credit card in the future. We have a variety of credit cards to select from. If your credit history is limited, you can also choose from the offerings at credit card applications for limited credit.

Secured Cards

Secured Credit Cards

If you have bad credit, you may need to apply for a secured credit card. In order to get one of these cards, the issuing bank will require you to open an account with them. You will need to make a deposit in the account which will act as collateral for the credit card. Your credit limit is usually equal to the amount of money that you deposit. Read the details of the offer to confirm how much your limit will be and to find out if there are any additional fees.
People with limited credit history or a bad credit score tend to prefer secured credit cards over unsecured credit cards for bad credit. The secured cards tend to have lower interest rates and will ultimately cost less than an unsecured credit card if you don`t plan to pay off the balance each month. Also, if you have bad credit, an unsecured credit card may be more difficult to qualify for. However, if you prefer unsecured credit cards, consider First PREMIER® credit cards. Some of the products issued by First PREMIER® Bank are unsecured, fee-based products.
A secured credit card can also help you raise your credit score. Most banks that issue these cards will report your payments to the major consumer reporting agencies. Not all banks will do this though so you should read the terms and conditions before applying, if that is your goal. Regardless of your credit score, if you have a few hundred dollars in your bank account you can start rebuilding your credit today. Find a card to establish your credit in secured credit cards.

Applying for a Credit Card after Bankruptcy

Applying for a Credit Card after Bankruptcy

For some people, using credit irresponsibly can lead to bankruptcy. It is often necessary to get a new credit card afterwards in order to improve your credit score. Here you will find offers for credit cards even if you have filed for a Chapter 7, 11, or 13 bankruptcies. There are some banks that will give you the opportunity to obtain a credit card after bankruptcy in order to rebuild your credit. For example, Capital One offers both secured and unsecured credit card applications for bad credit scores. In the case of bankruptcy, applying for a secured credit card may be your best option.

Immediate Credit Card
Care Service

If you have a question about any product or product feature, or if you need free advice from a credit expert, use our Immediate Credit Card Care Service. Ask a question, or look through previously answered questions. Either way, we are happy to help you learn about the important facts concerning credit cards.

The latest questions of Immediate Credit Card Care Service

I need a credit card for use any where I go overseas.

You should consider applying for a credit card with chip technology. This type of plastics is commonly accepted in Europe plus gives you additional protection. For example, USAA can issue you a chip and pin credit card on your request. You can consider applying for the USAA Secured Platinum MasterCard®. This is a secured credit card and you will need to put down a minimum security deposit to g...

How can I get a secured credit card on SSI and without credit history?

Consider applying for the USAA Secured Platinum American Express® Card. This is a secured credit card with an American Express label on it. The minimum security deposit will be $250 and will get you an equal credit line. The annual fee is $35. The credit card activity will be reported to the major credit bureaus monthly, so you will be able to build your credit history. If you do not want an A...

see all questions ...
Credit Report

Credit History Center

About Credit Score

About your Credit Score

One of the largest factors in determining your eligibility for a credit card is your credit report and credit score. Banks and credit card companies use your score to determine how much of a risk it would be to lend money to you. Your score tells them how likely you are to pay back your debt. It is important to have a good or excellent credit score. FICO credit score ranges from 350 to 850. The higher your score is, the higher your credit limit will be and the lower your interest rate will be. What is a bad score? Anything less than 640 is considered a bad score.

Each individual actually has three different credit scores for the FICO model because each of he major consumer reporting agencies, Equifax, Experian, and TransUnion has its own database. Data about individual consumers varies between credit bureaus. There are many different websites out there that will show you your credit scores for free. You should find out what your score is so you know which credit cards you can apply for.

How Do Credit Companies Calculate Your Credit Score

How do Credit
Companies Calculate
Your Credit Score?

There are many factors that go into calculating your credit score. Here is how the widely-used FICO credit scoring model is calculated:

-35% is based on your payment history. Late payments on bills will cause your score to drop and on-time payments will improve your score.

-30% comes from your credit utilization ratio. This ratio compares your current revolving credit card debt to the amount of credit you have available. The less credit you use, the higher your score will be.

-15% is scored on the length of your credit history. As your active credit cards get older, your credit score improves.

-10% involves the types of credit you have used. A credit card is only one type of credit-revolving debt. Having experience with installment loans, consumer finance, and mortgages will improve your score.

-10% is based on recent requests for credit. Opening or applying for several new credit cards at once can hurt your score.

Ways to Improve Your Credit

How to Build

If you want to know how to improve your credit score, you should follow these basic rules. Most importantly pay all of your credit card bills on time. If your bank has an auto-payment program, you may want to start using it. Making regular on-time payments is the best way to raise your score.

You should pay off outstanding balances in full each month rather than making only the minimum payment. This is because part of your score is based on your credit-to-debt ratio so you don't want to utilize more than 30 percent of your available credit. The more credit you have and the less you use, the higher your score will be.

Don`t close old credit cards. Keep your oldest accounts open and active, even if you are only spending a dollar a month with them. Closing your accounts will hurt your score as it will reduce your available credit and remove some of your good credit history from your report. You should also monitor your credit card bills monthly and your and credit report regularly to watch for fraudulent charges or mistakes.

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