{"id":380591,"date":"2011-04-13T23:03:17","date_gmt":"2011-04-13T23:03:17","guid":{"rendered":"http:\/\/www.ghanamma.net\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/"},"modified":"2011-04-13T23:03:17","modified_gmt":"2011-04-13T23:03:17","slug":"7-best-credit-cards-for-bad-credit","status":"publish","type":"post","link":"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/","title":{"rendered":"7 best credit cards for bad credit"},"content":{"rendered":"<p><div readability=\"65.567802271209\">Orchard Bank, part of megabank HSBC, offers three credit cards plus a secured card for consumers needing to rebuild their credit. You simply apply and the bank decides which card you qualify for based on your credit worthiness. <\/p>\n<p>The unsecured cards come with annual fees ranging from $39 to $59, depending on credit history, and APRs range from 14.9% to 19.9%, also based on your credit. <\/p>\n<p>To put that in perspective, a credit card like the <a href=\"http:\/\/money.cnn.com\/galleries\/2011\/pf\/1102\/gallery.worst_credit_cards\/index.html\">Applied Bank Unsecured Visa Gold<\/a> &#8212; which also targets consumers with poor credit &#8212; comes with a 29.99% APR for all customers. <\/p>\n<p>If your credit history is really bad, you will likely end up with a secured card. These work like a regular credit card, but you put down a deposit of your own money. (That&#8217;s why their interest rates are typically lower than those of regular unsecured credit cards.)<\/p>\n<p>But even if you only qualify for a secured Orchard Bank card, it isn&#8217;t a rotten deal. You have to make a $200 minimum security deposit &#8212; which is refundable and typical for secured cards &#8212; but the APR is a low 7.90% and the annual fee is $35 and is waived the first year. <\/p>\n<p>&#8220;I like these Orchard Bank cards because let&#8217;s say you&#8217;re on the bubble between bad and poor credit, you might be able to get a better deal with one of these cards,&#8221; said Beverly Harzog, credit card expert at Credit.com. &#8220;Even if you do have really bad credit, this is one of the easiest unsecured cards to get, and if you don&#8217;t qualify then see if you like the terms of the secured card.&#8221;<\/p>\n<\/div>\n<p>The rest is here:<br \/>\n<a target=\"_blank\" href=\"http:\/\/rss.cnn.com\/~r\/rss\/money_topstories\/~3\/t_eIUiQxVSQ\/index.html\" title=\"7 best credit cards for bad credit\" rel=\"noopener noreferrer\">7 best credit cards for bad credit<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Orchard Bank, part of megabank HSBC, offers three credit cards plus a secured card for consumers needing to rebuild their credit. You simply apply and the bank decides which card you qualify for based on your credit worthiness<\/p>\n","protected":false},"author":0,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-380591","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-business"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7 best credit cards for bad credit - Ghanamma.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"7 best credit cards for bad credit - Ghanamma.com\" \/>\n<meta name=\"twitter:description\" content=\"Orchard Bank, part of megabank HSBC, offers three credit cards plus a secured card for consumers needing to rebuild their credit. You simply apply and the bank decides which card you qualify for based on your credit worthiness\" \/>\n<meta name=\"twitter:creator\" content=\"@ghanamma\" \/>\n<meta name=\"twitter:site\" content=\"@ghanamma\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"7 best credit cards for bad credit\",\"datePublished\":\"2011-04-13T23:03:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/\"},\"wordCount\":289,\"commentCount\":0,\"articleSection\":[\"Business\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/\",\"url\":\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/\",\"name\":\"7 best credit cards for bad credit - Ghanamma.com\",\"isPartOf\":{\"@id\":\"https:\/\/www.ghanamma.com\/2011\/#website\"},\"datePublished\":\"2011-04-13T23:03:17+00:00\",\"author\":{\"@id\":\"\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/\"]}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.ghanamma.com\/2011\/#website\",\"url\":\"https:\/\/www.ghanamma.com\/2011\/\",\"name\":\"Ghanamma.com\",\"description\":\"News In Ghana - Latest Ghana News Headlines\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.ghanamma.com\/2011\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"7 best credit cards for bad credit - Ghanamma.com","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ghanamma.com\/2011\/04\/13\/7-best-credit-cards-for-bad-credit\/","twitter_card":"summary_large_image","twitter_title":"7 best credit cards for bad credit - Ghanamma.com","twitter_description":"Orchard Bank, part of megabank HSBC, offers three credit cards plus a secured card for consumers needing to rebuild their credit. 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