1. report to all 3 CRA's 2. no annual fee I don't care about rate as these will be PIF each month. There are a few subprime secured cards that charge annual, initiation, or participation crap fees. I don't want that. I just want to plunk down a few thousand on 2-3 cards and get my grandmother started. I've looked at Wells & BofA and I think they both report. Will also do the passbook loan thing as well. Any recommendations?