Saturday, November 20, 2010

No Credit History Credit Cards

Nov 19, 2010 Crissi Enger

No credit history credit cards are available for people that are just starting out to develop their credit or for people that are trying to reestablish their credit history. Some banks and credit card companies will still give a credit card to people that have never had any, the terms are different with each card and all terms, conditions and fees should be read carefully before choosing a card. However, these cards can be a great way to start to build or rebuild credit.

Green Dot Prepaid Mastercard

There is no credit check with this card, since it is a prepaid Mastercard. Activation is free when done online and ATM withdrawals can be free at the 15,000 participating ATM's. They also offer:

  • Free online bill pay.
  • Free direct deposit to the card.
  • No fees on US purchases.
  • There are never over draft or penalty fees.
  • No minimum balance is required.
  • No APR on purchases.

There is no monthly maintenance fee, as long as 30 purchases have been made in the month. Plus, they are offering $10 with direct deposit.

Vision Premier Visa Prepaid Card

This is another prepaid card, this time by Visa that also requires no credit checks and there is no interest on purchases. Purchases are unlimited, there is ?restrictions on the number of purchases made each month. This is for both pin purchases and signature purchases. They also offer:

  • Customer service is always free.
  • Free direct deposit.
  • Free online bill pay.
  • Text and email alerts available and are free as well.

Account Now Prepaid Mastercard

This is a regular Mastercard and a credit check is required. However, they guarantee all applicants are approved after the ID verification. There is no activation fee with this card.? The other features are:

  • Receive a $25 cash bonus with direct deposit.
  • No over draft fees.
  • No minimum balance required.
  • Free bill pay.
  • Free direct deposit.
  • The option of choosing a prepaid Mastercard and not requiring a credit check.

Wired Plastic Prepaid Visa

With Wired there is no credit check, bank account required or income verification.? The card is easy to load whenever necessary at their 100,000 retail locations available. They also offer:

  • Free direct deposit.
  • No over draft fees.
  • Free bill pay services.
  • Free mobile alerts.
  • Free online access to the account.
  • There is also a free rewards program. 1 point is received for every dollar spent.

Centennial Secured Credit Card

The Centennial card is a regular credit card that is secured by a deposit that is made. The initial deposit is $200. The deposit is held in a FDIC insured account and there is no credit history needed for the card.? All credit use will be reported monthly to the three major credit bureaus to build or rebuild a credit history. This is not a prepaid card, there is instead the one security deposit that is made.

Mango Prepaid Mastercard

T?his is a prepaid Mastercard, so there is no credit check, income verification or bank account required. Cash can be loaded when ever necessary at numerous locations and there is no activation fee either. The other features are:

  • Free direct deposit.
  • Unlimited free purchases.
  • Free online account management.
  • Free mobile phone account management.
  • Send money with a mobile phone.
  • There is no monthly service fee when $500 or more is loaded onto the card.

Ready Debit Platinum Prepaid Visa

This is a prepaid Visa so there is no credit check or income verification. No bank account is required also. They do also offer a free credit builder program and free score tracker credit score service as well. The other features are:

  • Free customer service 24 hours a day, 7 days a week.
  • No over draft fees.
  • No minimum balance required.
  • Free mobile banking.
  • Free text alert service.
  • Unlimited purchases, no fees.
  • Free direct deposit.
  • Free online bill pay.
  • Checks received and free check writing too.
Copyright Crissi Enger. Contact the author to obtain permission for republication.

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