Card Comparison: Easy to Get Credit Cards that Help Build Credit History
If you have limited credit history or for some reason your credit was impaired, you need to build or re-build your credit history, because that’s the only way for you get credit especially under current tough credit crunch situations and new credit card rules (its impact). According to this article, although there are multiple factors that make up the credit score calculation, payment to debt on time takes the most weight, so what you need is a history of paying bills on time. Here is a list of easy-to-get credit cards that do exactly that: report your payment to credit bureaus. Some of them may not be the ideal choice, since they charge high fees and even has no grace-period, so be careful when you use these cards:
| Card Name | Pros | Cons | |
 |
New Millennium Bank Secured Platinum Visa® |
Easy to get: no credit check; Build credit: reports to credit bureaus | Requires deposit as collateral; No grace period; Annual Membership Fee: $59 |
 |
New Millennium Bank Secured Platinum MasterCard® |
Easy to get: no credit check; Build credit: reports to credit bureaus | Requires deposit as collateral; No grace period; Annual Membership Fee: $59; Opening Fee: $99.95 |
 |
Continental Finance Gold MasterCard® |
Build credit: report to credit bureaus; No requirement of collaterals; Instant Approval; 25 days Grace Period | Opening Fee: $175; Monthly Fee: $15 |
 |
Continental Finance MasterCard® |
Build credit: report to credit bureaus; No requirement of collaterals; Instant Approval; 25 days Grace Period | Opening Fee: $200; Monthly Fee: $15 |
 |
Tribute Gold MasterCard® Credit Card |
Build credit: report to credit bureaus; No requirement of collaterals | Annual Fee: $150 ($300 card); Monthly Fee: $9 ($300 card), $19 ($70 card) |
 |
American DreamCardTM Platinum MasterCard® |
Build credit: report to credit bureaus; No requirement of collaterals; 20 days grace period | None |
Important Disclaimer: the credit cards information in this post were accurate as of the date of publishing, some or all of the card programs may be discontinued, their terms may be changed after wards.
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