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The TRIBUTE MASTERCARD is a real credit card and you can get it with barely a credit pulse. You will get a $300
limit and it will already have close to $200 in enrollment fees but you don't need anything up front and it reports to all
three credit bureaus. Just hide this card and pay down the balance as soon as possible because the lower your balance
the better it will affect your credit. If you can get the ORCHARD CLASSIC CARD below that would be better, on
the other hand if you get turned down for the TRIBUTE card you really need to get the MILLENIUM secured card pronto!
ORCHARD's CLASSIC MASTERCARD is simply the easiest, LEGITIMATE, unsecured card on the market. If you have a job
and just one existing credit line in good standing you will get this card. Fees total about $90 to get this card
with a minimum limit of $300 however you never want to get close to the limit. Remember: if your credit limit
is below 50% on a revolving credit line, it will improve your credit score...above 50% can hurt.
The NEW MILLENIUM PLATINUM MASTERCARD is a secured card with very reasonable fees and if your credit is shot this
might be the only place to start. You build up debt but have nothing to show for it. Think of it this
way: you can put $300 on account with this card and spend $300. However the less you have on account the better. It will
be reporting perfect payment to all 3 credit bureaus just as if it were true credit. Best case scenario
is don't spend anything and in 6 months after your credit has shot up you can request that they make these unsecured accounts
and get your money back.
The DISCOVER OPEN ROAD gas card is great because you pay zero fees and you get 5% on all gas purchases - with gas prices
these days it means $.15 -$.20 off a gallon and you don't get smacked with any fees. If you pay off the balance everymonth
this card will be paying you to use it but you need good credit. Once you have completed all four steps and your credit
scores have gone up this is the first place to go. Transfer all of the balances on the bad credit cards you took to
improve your credit but leave them open and your scores will seriously go through the roof because the bureaus will see all
kinds of unused credit lines. That's really the secret.
Maybe your credit isn't shot - you just don't have a job and your credit history is limited. Then the DISCOVER
STUDENT CARD is ideal for you. It doesn't require any income or credit history and it has zero fees and good terms.
This is not recommended if you have significant bad credit history.
Don't get fooled, USA PLATINUM isn't a Mastercard and you won't want to try and pay for dinner out with it.
This is a $7500 credit line with a catalog service, much like Speigel's. Everything is overpriced so you don't want
to use it much. Buy your spouse a present and loose the card. This fat credit line will look great on your
credit report as long as most of it is unused. This is a last resort as you pay $149 right up front.
Okay, now that you've got at least two tradelines working for you remember to manage your credit properly. Hide
or cut up these cards and just pay down the balances, keeping maybe $15 on them so they report as active. Every
month their existance will float your credit up but if you max them out they will pull your credit down.
Now, lets roll up our sleeves and start slapping the Credit Bureaus around in Step Four Okay!?
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