Consumer

Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit. As a cardmember, you will also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages are available to remind you of your upcoming payment due date with online enrollment. Get prequalified online in just 30 seconds!

* An excellent credit card for help rebuilding credit scores; reports to 3 major credit bureaus monthly!

* Acceptance at millions of locations worldwide, including website purchases and reservations

* Your account information is updated and at your fingertips 24/7 so you can manage it your way

* Email and text messages are available to remind you of your upcoming payment due date

* On-call customer service representatives to assist you with questions or concerns It is our goal to offer you the credit card that best fits your credit profile based on your consumer credit report and other information you provide us. You may be offered a secured card or an unsecured card which will be disclosed before your application is processed.

Apply for the Green Dot® Gold Prepaid Visa® Card

* FREE $0 Activation Online – with NO credit check!
* FREE Cash withdrawals at over 15,000 participating ATMs
* FREE Online Bill Pay & Direct Deposit
* NO Monthly fee for any month with at least 30 purchases
* NO Transaction fees on US purchases
*See Card Terms and Conditions

AccountNow Prepaid MasterCard® Card is a pre-paid card that can be used anywhere MasterCard® is accepted.

* 100% guaranteed approval*

* Free Online Bill Pay

* Free credit builder when you use Online Bill Pay

* $25 Bonus when you set up for Direct Deposit

* This is a debit-card, not a credit card

* No credit bureau check

* No minimum balance* No late or overdraft fees

* No checksystems checks

*See Card Terms and Conditions

Credit Card Tip:
February 2012 Black cards, reward credit cards,Cash back cards, knowing which card is right for you can be frustrating. Getting approved for unsecured credit cards may not be easy for people with bad credit. It may take rebuilding credit using a prepaid MasterCard or Visa card first and later getting approved for a major unsecured credit card.

When it comes to information about finances and credit there is so much information online. People have become so resourceful in finding self help topics and credit services. There is a ton of free financial resources like budget planners, bill reminders, credit cards, debt relief, and tax information to name a few. Some resources are listed that may be useful to people wanting products and tips.

Credit Card, How to Choose An Unsecured Credit Card Offer:

Getting four or five credit card offers through the mail can be welcomed or aggravating. It can positive if they hit the mailbox at a time when you are searching for a new card. So just how does someone pick from a lot of credit card offers arriving in their mailbox daily? It really depends on each person's needs and financial circumstances.

Why are you looking for a new credit card offer?

* To transfer a bunch of card balances onto one, zero intro offer, and work to pay off one balance.

* To build a new credit history or rebuild bad credit.

* To have a variety of cards to use for different expenses.

* To have one each, a Visa, MasterCard, Discover, and American Express card.

Paying off high card debts can be hard, especially if you owe several balances. It can help to move all balances onto one card in the battle to get the bill paid off and not have to pay too many bills. It is going to cost more money when having to pay the interest rates on several card balances. Eliminate some of those by doing a balance transfer in an effort to have one balance, with one interest rate.

For people who use a credit card often, having a couple of different cards with major companies can be beneficial. For example, If a store does not accept Discover but they accept Visa, it can mean the difference between not being able to charge or just pulling out a different card.

When choosing cards with or without an annual fee, consider the benefits of each. Take into account how often the card will be used. Usually when an annual fee is paid, the card may have lower interest rates, which may be important for your needs.

Interest rates can always change and it depends on the terms and conditions of the card offer. For example, paying late could void the low rates that were offered or low rates may only apply to new charges. Knowing the terms can help you learn how to avoid any unnecessary fees. When credit needs to be rebuilt, an unsecured credit card may not even be a choice, but a prepaid card can still allow purchases using plastic, as long as the money has been loaded onto the card to be available for purchases. Visa and MasterCard have some great picks as well as card designs.

Credit Card, Prepaid Debit Cards - How They Work:

A prepaid card must be funded in order to use the card like a credit card. People everywhere enjoy using them, as one method to help them stay out of debt and avoid making too many charges that must be paid later. With a prepaid debit card, no statement will arrive later with a payment due. Thousands of major retailers accept these cards, and the cardholder is able to pay as they spend money. The best thing about a debit card or a secured card, is that major companies that are well known like MasterCard® or Visa® have them.

Most prepaid cards do not require a credit check or even a bank account. These can be used any place where their logo is displayed, online or offline as long as the cardholder is following the terms and conditions for using the card. Using it instead of carrying a wallet or purse with money that can be lost or stolen is much easier. Loosing a wallet or bag with cash usually means that the money is gone forever.

These card may have an enrollment fee or cost, a monthly charge, or other requirements. Services like using ATMs and getting cash withdrawals may or may not have fees. Many times some credit cards and debit cards have charges, even though the amount may vary. For example, some will charge a fee when an ATM that is not in the network is used. People who have great or poor credit can apply for a debit or prepaid card. Once approved, there is the flexibility of loading an amount that the cardholder desires in order to pre-fund the card before using the card. A social security number and other information is usually required.

"Whatever consumer credit service you are searching for, you'll find literally millions of results at any popular search engine. Below is a listing of some of the more notable websites, along with their individual logos and what each site specializes in providing. Some credit websites are portals, which means they do not directly provide credit services but instead present their recommendations. Noting that a particular recommendation appears on multiple, popular websites, may lend credence as to whether or not the particular service is legitimate. By taking the time to review consumer credit website offers and by comparing terms and conditions, you can increase the likelihood that you'll deal with reputable, legit credit providers."

Credit.com has been online since May 10, 1996. This financial website offers consumers a variety of services, including auto loans, credit cards, credit reports, mortgages, secured and unsecured loans. *See credit.com for details.

BankLady.com has been online since October 10, 2001. This website offers a wide range of consumer credit services for people with less than perfect credit as well as those with good credit.*See banklady.com for details.

CareOneCredit.com has been online since June 21, 2002. This financial website offers consumers a variety of services, including debt relief solutions, money management tools, newsletters, and coach support. *See CareOneCredit.com for details.

MoneyMutual.com has been online since February 8, 2005 and is not a lender. This website offers consumers the resources to a network of online short-term lenders.*See MoneyMutual.com for details.

Debtmerica.com has been online since April 27, 2006. This website offers consumers solutions to minimize creditor harassment, to reduce the total amount of unsecured debt, and provide one low monthly program payment. *See Debtmerica.com for details.

CREDITLOAN.com has been online since July 30, 1998. This website offers consumers information about personal finances. They have articles about bad credit loans, mortgage and refinancing loans, credit cards, and credit reports and credit repair. They are not a lender.

*See CREDITLOAN.com for details.

CreditCards.com has been online since February, 22,1995. This website offers consumers a variety of credit card offers, credit card selections, news, tools, and features.

They are part of the Bankrate Online Network. *See CreditCards.com for details.

CreditKarma.com has been online since August, 29,2005. This website offers consumers a unique method to track credit scores. Their services begin with a free credit score, without the need for your credit card. *See CreditKarma.com for details.

MoneyNowUSA.com has been online since August, 29,2005. This website offers consumers the means to apply for a fast cash personal loan and getting cash in a bank account may only take an hour. There is no need to fax papers and applications are secure. *See MoneyNowUSA.com for details.

WESTERNSKY.com has been online since December 7, 2003. They offer a real personal loan not a payday loan. They specialize in quick money, fast cash loans online. Short terms and emergency cash loans. The loan rates may be high, but it's a lot cheaper than a payday loan *See WESTERNSKY.com for details.

DebtRescueUSA.com has been online since October 27, 2006. They offer consumers the service of matching them with a debt settlement company, based on their specific information. Thousands of people have been able to save money on credit card bills.*See DebtRescueUSA.com for details.

AUTOLOANFINANCE.com

AUTOLOANFINANCE.com has been online since January 2, 2001. They have been connecting people to providers of consolidation loans, conventional and easy loans for years. Thousands of consumers have found various types of loans and loan information. *See AUTOLOANFINANCE.com for details.

Freecreditscore.com has been online since May 3, 2000. This website offers a wide range of consumer credit services for people to order a free credit score and have a trial membership for credit score alerts. *See freecreditscore.com for details.

"Disclaimer: LegitCredit.com does not guarantee the legitimacy of any website or offer listed on this website. As the consumer applicant, it is your sole responsibility to research to determine what websites and offers are legitimate."