Providian Credit Card Alternatives and More for Bad or No Credit History

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FAIR/BAD Credit?
First Access Visa® Solid Black Credit Card

Reporting monthly to all three major credit reporting agencies

Perfect credit not required for approval; we may approve you when others won’t

BAD/NO Credit?
Horizon Gold

Instant $500 Credit Line. No Credit Check.

Reports to a Major Credit Bureau.

Card Name Ongoing APR (for purchases)Annual Fee Build CreditInstant Response Apply / Details
24.9%$35 - $99*YesNo
  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
Providian Credit Cards vs. New Options for Bad Credit

Providian credit cards, once very popular with subprime consumers, are no longer being issued. Providian credit cards though did have rather high interest rates, had features important for those with bad credit. Even customers who had been denied before, or had no credit history, could get approved for Providian credit cards. Designed for people with bad credit Providian cards provided regular credit reporting which is essential to improving credit.

Today there is a variety of great options to choose from if you have a low credit score. New solutions for poor credit can help you improve or build your credit history, and provide a secure and convenient payment tool. Compare best alternatives to Providian credit cards - low intro APR on purchases, monthly credit reporting, instant response to your application and more are available with the best of our Bad Credit Cards applications. Consider also prepaid debit cards with guaranteed approval, free direct deposit, free card purchases and bill pay and low or no activation fee. Find out more and choose what is best for you!

Credit or Prepaid Cards for Poor Credit History?

If your credit history isn't that great, but you are looking for a credit card to build or improve your credit history or want a secure and convenient payment tool or a way to cash your paychecks and save money, view applications on our site. Apply for a credit card for bad or no credit or a prepaid debit card, depending on what your priorities and needs are.

Bad credit credit cards often do not have low interest rates or high credit limit. There are interest charges if you do not pay your balance in full, and a risk of accumulating debt. Credit cards for bad history usually do credit reporting which helps you improve or build credit faster. And you need to make sure you make all payments on time to all your creditors and do not exceed your limit to avoid penalties and negative records on your credit report.

Prepaid debit cards have no over limit fees or interest charges. Even if you have bad credit or no credit history, you get 100% guaranteed approval and no hassle of a credit check. Prepaid reloadable cards are a convenient and faster way to cash your paycheck or government benefits check with the free direct deposit feature. It is also a safe way to shop and pay bills. Find out how you can build credit by using some of the prepaid cards.

Compare credit cards for no or bad credit and prepaid cards on our site. Choose what is best for you and apply today!

Reasons to Build or Improve Your Credit History

Your credit report and credit score are just like your resume to lenders. Every time you apply for a loan, attempt to get a credit card, insurance, or even housing or job position, your credit history is reviewed and your creditworthiness is esteemed based on it. Loan or credit card approval, credit terms, APRs, and fees will be determined by your score. Your poor credit, bad credit score or no credit might lead to a denial. To avoid that and qualify for better low interest rates, no annual fee and other beneficial credit terms and insurance rates, you should work on improving your credit score or building your credit history.

To improve your credit, or build credit history you can apply for a credit card that sends regular credit reports to major consumer reporting agencies. You just need to make sure you apply for a credit card suitable for your credit profile (check credit cards for bad credit and no credit), your needs and life-style, and that you develop and keep up good credit habits. And rest assured your good credit behavior will be rewarded!

Compare cards for people with bad or no credit on our site, choose what is best for your individual needs and habits and apply online!

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 am full-time employee. I am at poor credit rank <600. My monthly credit card payments are more than $2,000. My debt is around $25,000 or less I seek balance transfer credit card so that I can have improved credit rank. I am open for personal loan. I am not interested to apply for a credit card (online purchases).

Since your credit is bad, you won’t be able to get a credit card with 0% intro APR on balance transfers. Also, the credit card issuers may not approve you for a credit card even with the minimum line of credit. You can try getting a personal loan though. Some lenders allow co-applicants, which will increase your chances to qualify. Also, we would recommend you to pay off the credit accounts...

What is the best prepaid debit card to build credit and which is reported to three credit bureaus?

You won’t be able to build your credit using a prepaid card because prepaid cards are not reported to major credit bureaus. With a prepaid card you use your own money, not the money you lend, so there is no credit activity to report. If you want to build your credit, you should apply for a secured credit card. Secured credit cards are reported to major credit bureaus monthly. To get this car...

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