Orchard Bank Classic MasterCards

Card isn't anything special, but it allows payment by debit card this is a huge "+" to me.  I hate that make a payment and wait a week for it to be removed from your checking.

I filed for bankruptcy. I was surprised that any card would offer me an unsecured credit and at 55 dollars a year to have the opportunity to rebuild my credit is worth it even without credit increases. At first I had a problem getting an available balance update after making a payment. In the new electronic era there isn't/shouldn't be a problem in getting payments and corrections in three days or less. I too had the runaround of the 10 day posting after deduction from my checking account. I called and spoke to a rep and had it corrected in two days after I got tired of waiting. She told me that in the future I should make payments by phone and payments would be posted quicker. To date I have made 4 payments by phone and it has been reflected on my account within 24 hours: balance and available balance brought in line. I may hate the card for not raising my credit limit in the future but for right now I understand their reason; I am a credit risk and they are limiting their exposure.

Slightly higher interest rate than my current card, but higher annual fee.    If you really want to rebuild your credit, I have a suggestion to try.  I got a secured Capital One credit card last year.  You won't get any credit limit increases, but in the year I've had it, I've been able to get approved for a couple of other credit cards and an auto loan with a decent interest rate.  You're starting credit limit is only $200, so you can't screw yourself with it but you can't increase your limit unless you pay more on the security deposit.  The deposit is refunded once you cancel the card and pay the balance in full. 

 Hopefully it will fix my credit problem.  At at will take me 3 years to rebuild credit.

well, im trying desperately to rebuild my credit. i was an irresponsible 18 year old when i got multiple credit cards and never paid them. Now at 24 life is catching up to me. Things like buying houses and cars are dreams ill never have because i screwed up. But when I want to rebuild my credit and get one of these cards i get denied. How am i supposed to fix anything if no one will let me???

i got denied for both of the cards they recommended for me and they said i have a ''very good'' chance of being approved...lies...