Orchard Bank Gold,$15 processing fee. The application process can be done on-line. It really works different strokes for different folks. It has worked for me.

Try Orchard, they gave me a unsecured card when my scores were really low. If you can, try to avoid cards that charge high fees such as: Tribute, Aspire, Cash Yes and Salute. Secured card would be better than these. At least you get your money back down the road.

If you have really bad credit, the last thing you need is a credit card. It costs you money in fees and interest you cannot afford, and you will end up spending money on things you cannot afford. You are asking for more trouble than you can handle.

And by the way, all those applications you’ve been filling out have dropped your credit score further, so it is going to take you even longer to get your credit healed. With all those refusals now, even “cards for people with bad credit” and 29.99% interest rates don’t want to know you.

what is the guarantee on getting approved with Orchard Bank???I need to re-establish my credit too!

I agree with everyone else…Orchard Bank. Here is their website.