Get started! Rebuild your credit.

An ideal situation for your credit to start building/rebuilding or growing is to open 3 secured credit cards. 
We believe in a debt free life, so the best plan is to use your own money while re-establishing your credit.

Unlike traditional banks (Bank of America, US Bank, Wells Fargo i.e.) these banks will not report them as secured
cards and therefore no one will know its your own money. They will actually report as normal credit cards and the
bureaus will count them as regular credit cards and it will help you tremendously.
 

Ideal Instructions on how to use the cards:

  •  Use at least once every 4-6 months
  •  Try your best not to use more than 25% from the given limit
  •  Always pay in full
  •  Another great idea is if you have any friends or relatives with good established credit cards that have no late payments on them, ask them to add you as an authorized user on 2 or 3 cards for a period of four to six months
  • Some banks will accept that, but will not actually report to the credit bureaus, so make sure the banks representative will ask for your social security number and date of birth. Whoever does this for you may rest assured that your bad credit will not have any effect on them at all
 

First Progress Platinum elite
MasterCard® Secured Credit Card

CREDIT NEEDED
Fair or Bad Credit

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • Merchandise APR = 19.99% 
  • Annual Fee = $29
 

First Progress Platinum Select
MasterCard® Secured Credit Card

CREDIT NEEDED
Fair or Bad Credit

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • Merchandise APR = 14.99%
  • Annual Fee = $39
 

First Progress Platinum Prestige
MasterCard® Secured Credit Card

CREDIT NEEDED
Fair or Bad Credit

  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program – though not yet available in NY, IA, AR, or WI
  • Merchandise APR = 11.99%
  • Annual Fee = $44
 

Capital Bank - OpenSky
Secured Visa ® Credit Card

CREDIT NEEDED
Bad Credit

  • Build Your Credit fast  with our monthly reporting to all 3 major credit bureaus
  • Choose your credit line  as low as $200 up to $3000,  secured by a fully-refundable* security deposit.
  • Security deposit needs to be submitted before the credit card can be issued
  • No credit check necessary and no checking account required; apply in less than 5 minutes
  • Extra credit when you need it,  increase your credit line up to $5000*  in your first year
  • Access to online financial education
  • View our Cardholder Agreement located at the bottom of the application page for details of the card.
 

First access card

CREDIT NEEDED
Bad Credit

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application; Checking account required
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member:  FDIC