Best Secured Credit Card.

If you have no credit and are looking to build credit, bouncing back from a bad credit situation, foreclosure, bankruptcy, divorce, or just need more revolving credit, then read on.

One of the most important credit rebuilding tools, that also gets factored in your credit scoring: fico score, vantage score, plus score, is your revolving credit. You will notice that the more available revolving credit you have, the higher the credit score and vice versa.

Now, qualifying for a credit card without established credit or just challenged credit in these days of tight credit is not just almost impossible, but can be very costly without researching whats out there.

Even for those that have excellent credit, they find themselves paying extremely high fees just for owning those prestigious cards upwards of 450.00 a year... outrageous!!! And yes, thats with an excellent credit requirement. I am talking about the American Express http://www.creditcards.com/credit-cards/delta-reserve-credit-card.php/ as reported on creditcards .com.

But for the guy in need of building a credit history, bouncing back from a bad credit situation or just looking to enhance their credit rating, there are cards that are easy to get and not expensive at all.

I found that most secured credit cards just want to take, take, take with little to give back. You need them more than they need you. So, I decided to compile a list of these cards.

Out of a long list of these cards, 3 were at the top.

• Public Savings Bank Classic Visa 0% APR for 6 months

• This secured credit card is great especially for those looking to establish new credit or rebuilding credit because of its:
• introductory 0% APR for 6 months and,
• a low 11.24% APR there after. So you are not left with a card that has a high interest rate after it turns unsecured.
• No annual fees!! What? Really? It tops the list.
• Credit limits between 300.00 to 2000.00
• This one rocks VISA Secured Credit Card - Reports to All 3 Major Bureaus. More love for the card.
• Click here to apply: All applications are accepted!

Click on it to read other terms and conditions. I highly recommend this card.

• Orchard Bank MasterCard http://www.orchardbank.com/

• The Centennial Secured Credit Card (which is issued by First PREMIER Bank) https://www.premiercreditcardsf.com/

If you already have enough credit cards, your credit is good and all, isn't it time you started profiting from those stacks of cards? I found this book very intriguing.

How You Can Profit from Credit Cards: Using Credit to Improve Your Financial Life and Bottom Line

It is a strong buy recommendation.