The easiest approval process with 100% Guaranteed Approval, No Credit Check or Chexsystem Verification is for the prepaid AccountNow Gold Visa Card.
It comes with; Free Direct Deposit, and Free Online Bill Pay. In fact right now they are giving you a $25 bonus just to use free direct deposit! There is No Credit Check or Chexsystems Check.
We are dedicated to providing you with easy to understand information about how credit cards work. Additionally we have a lot of helpful credit related articles to help you manage your finances, manage debt, and repair damaged credit.
If you are looking for an easy approval credit card then you have come to the right place. You have three types of cards to choose from; unsecured, secured, and a prepaid debit card. A prepaid debit card is not a credit card. It will be issued as a major Visa or MasterCard but legally it is not a credit card.
Unsecured - these are traditional cards where you are given a card on the promise that you will make monthly payments. You will be charged a high APR %, annual fee, and monthly fees. This is the most expensive option but if used responsibly can help you build positive credit the best. However you are going to need a score in the 600's for approval.
Secured - these are similar to a unsecured card in that you are issued a card with a limit, charged an APR %, are responsible for monthly payments. The difference if first you must make a deposit with an FDIC insured bank. This deposit 'secures' your account in case you default on your payments.
Your deposit if fully refundable and you will pay a much lower APR% around 10%. Your credit limit will equal your deposit. For example if you deposit $500 your credit limit will be $500. These will report monthly to the credit bureaus.
Prepaid - These are not credit card are require you to first load money on your card before you can use it to make purchases. This is issued a major Visa or MasterCard and you can use it to make purchases online, over the phone, and all over the world.
You will be given access to free direct deposit and free online bill pay. It will act just like a checking account and save you from purchasing money orders and paying check cashing fees. It was created for individuals with a bad credit history because they guarantee approval.
Their is no credit check or chexsystems check. You will never be charged an overdraft fee, an interest rate, a late fee, over the limit fee...
We suggest the AccountNow Gold Prepaid Visa Card. It comes with free direct deposit and free online bill pay. You can use it to: rent a car, buy gas at the pump, reserve airfare.... And right now they are giving you a $25 bonus just to use free direct deposit!
It is always a wise decision to put effort into correcting a damaged credit history. You don't just have to live with bad credit. In fact Congress passed the Fair Credit Reporting Act of 1970 - this gives you the right to dispute any item on your credit report that you feel is inaccurate.
Removing negative items from your report will help improve your credit score tremendously. Additionally by creating positive payment history by paying all your current bills on time will help to create a positive payment history - this is a very influential piece of information in your FICO score calculation.
These are unique days for everyone our economy is still struggling to get back on track and their has been a wave of new sub prime or bad credit lending legislation.
These two factors have caused every lending institution to drastically change their approval requirements for every form of credit. Thus making your credit score and report an even more important number than ever before.
For FREE Tips to improve a low credit score, manage your debt, and save money during these tough economic times - sign up below.
