I've been putting a few dollars aside to go towards a secured card (Don't tell me I should be using it to lower my CC balances) I don't think I would qualify for the Orchard Secured card because I have accounts though Household that I let go into default. I am considering the Wells Fargo card it has an intrest rate of 5.9% for 6 months. The annual fee is $18.00. They also say You must be at least 18 years old, not have declared bankruptcy within the past 12 months, and not have any unsettled liens. The other card I'm considering is through my credit union. It has an annual fee of $35.00 and an intrest rate of Prime + 14.99%. My concern about the Wells Fargo account is I did have a judgement against me from Cap1's laywers. The law firm is being paid off monthly and in 2 months it will be satisified. Both cards require 300 minimum and I still need another 40 to reach that so I have 2-3 weeks to go.
