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Discussion in 'Credit Talk' started by MIKE GEYER, Oct 9, 2000.
UNSECURED SUBPRIME CARDS OTHER THAT NET1ST.
Barclaycard Ring™ Mastercard®
No annual fee, No balance transfer fees, No foreign transaction fees, Low interest!
CREDIT CARD WITH NO ANNUAL FEEBarclaycard Ring™ Mastercard®
Credit One Unsecured Visa®for Rebuilding Credit
Credit card for people with bad credit to rebuild credit!
BAD CREDIT CREDIT CARDCredit One Bank® Rebuild Credit
First Access VISA® Credit Card
Access to credit even with bad or limited credit! Reports to 3 major credit bureaus and accepted wherever you see the Visa® sign. Get application response in 60 seconds.
CREDIT CARD FOR BAD CREDITFirst Access VISA®
primor® Secured VisaClassic Card
Credit lines available up to $5,000! Reports to three national credit bureaus; perfect card for reestablishing credit. Guaranteed approval*!
SECURED CARD FOR REBUILDING CREDITprimor Secured Visa Classic
Credit One Bank® Unsecured Visa® with Cash Back Rewards
Get cash back on every purchase. Unsecured credit card with monthly monitoring for credit line increases. Improve your credit history with responsible use.
CASH BACK UNSECURED VISACredit One Bank
There's Associates, which has no annual fee but may be a little harder than the others to get. The 25.5% APR puts my Associates Visa squarely in the subprime category. I started to get offers for the Associates Visa
4 or 5 months after I accepted the Texaco card, which is managed by Associates as well.
Then there's Aspire Visa, with its astronomical interest rate but no annual fee. For a small balance, it's actually less expensive than Providian and Capital One. It would beat First National or Cross Country by a country mile.
To the best of my knowledge, Aspire offers a Classic Visa with a 35% interest rate and a credit limit of $300 to $500. Then there's the Diamond Visa, at 28% to 30%. Many people get limits of $1750 on that card, so it could mean trouble if you maxed it out. In that regard, Aspire is similar to Providian: high limits, high APR. The interest on $1750 at 30% would be $525 per year, or $43.75 per month. But with a small balance, like $500, the Aspire Diamond Visa is not a problem, although it can't build your credit history since they don't report timely payments to the credit bureaus.
One more thing. I honestly believe you have one subprime card too many. You need to get Cross Country out of your life as soon as possible.