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As far as we can understand from your question you have had some problems with your credit history and now you need a second chance credit card. We recommend you to consider applying for credit cards issued by First PREMIER. These cards are designed especially for those who have bad payment history.

Centennial MasterCard®/Visa or Gold MasterCard®/Visa. These are credit cards with instant decision. You will know whether you are approved or not in less than a minute. These cards have very low APR. All your payment information will be reported to credit bureaus.

If you are not sure that you will be approved for these cards you can start building your credit history with a secured credit card. Our experts recommend Secured Visa® Credit Card issued by Applied Bank. You will have to make a bank deposit to secure your credit account. Your credit limit will be equal to the amount of your deposit.

Technically you can transfer your balance to a new credit card even if you have gone over your credit limit on your old one. However, you need to keep in mind that exceeding your credit line might have a negative effect on your credit history. Before you apply for a new card to transfer your current debt you need to check your credit score. If your credit is still good you can apply for one of the offers with 0% APR on balance transfer.

More Card issued by Discover. This is a great card for balance transfer because it has 0% APR on balance transfer and purchases. You can take advantage of its wonderful cash back program. The card has no annual fee.

Blue from American Express®. This card has fixed low APR on balance transfer. This is a very convenient feature if you are not sure that you will be able to pay off your balance during the introductory period. It also has 0% intro APR on purchases for up to 12 months.

All the cards mentioned above are for consumers with good credit only. If your credit is average we recommend you Platinum - Visa by Capital One. This card offers very low fixed APR for balance transfer. It also gives you 0% APR on purchases during the introductory period.

Cards offered by American Express are for good and excellent credit only. If your credit score is over 660 FICO points you have good chances to be approved. The best cards issued by American Express are:

Clear from American Express®. It has 0% APR for purchases for 12 months, no annual fee and automatic rewards. It also has fixed low APR on balance transfers.

Starwood Preferred Guest® Card. This is a great card for travelers. It has an excellent frequent flyer program that allows you to transfer your Starpoints to customer loyalty programs of more than 30 airlines. This card can also be used for charitable donations.

True Earnings® Card from Costco and American Express. This is a great card for consumers. You can earn 3% cash back for gasoline, restaurants and travel and 1% everywhere else. This card has no maintenance fee.

Unfortunately, it's hard to give you a comprehensive answer because we do not know your exact credit score. If it is lower than 350 FICO points the only credit cards you qualify for are offers for bad credit from First PREMIER. These cards have low credit limit (a few hundred dollars). But if you have poor credit we recommend you to apply for one of these cards to start improving your credit. Consider these credit offers:

Centennial MasterCard®/Visa. This is one of the most popular cards among clients with poor credit. This offer comes with APR on purchases. No checking account or bank deposit is needed. All your payment activity will be reported to all four credit bureaus.

Centennial Gold MasterCard®/Visa. If you make your first two payments on time you will get %50 credit limit increase. Almost all applications are accepted.

If your credit score is between 350 - 619 FICO points you qualify for fair credit deals. Usually, credit limit for these cards is around $2,500-3,000. We recommend cards issued by Capital One such as Standard Platinum. This card has 0% APR for purchases until December, 2008. This card is also good for someone who has no credit.

Thank you for your question.

Blue Cash® from American Express allows you to earn up to 5% cash back. Your rebate is given annually for 12 consecutive billing periods. If you spend up to $6,500 a year your cash back on Everyday Purchases (purchases made at US supermarkets, drugstores and gas stations that are not departments of warehouse clubs or superstores) is 1%. Finance charges, cash advances, fees, or other means of accessing your credit account, balance transfers, purchases of American Express® Gift Cheques or American Express®Travelers Cheques are not considered eligible purchases. Your cash back on all other purchases is 0.5%. If you spend $6,500.01or more your cash back on Everyday Purchases is 5.0% and for all other purchases you get 1.5% cash back.

If you are looking for a cash back card, you might also like Citi CashReturnsSM Card. This card has very low APR and a great rewards program. This offer gives you full 1% cash back on every purchase. And you also receive a 20% bonus on cash back earned during the first year. On top of that you can earn an average of 5% additional cash back if you make your purchases through Citi Bonus Cash Center. This card may work better for you if you spend less than $6,500 a year.

Chase FreedomSM Visa Signature® Card. This card gives you 3% cash back in the 3 Everyday purchases (such as grocery stores, fast food restaurants, gas and convenience stores, etc) where you spend the most each month. For all other purchases you receive 1% cash rebate. After your first purchase you are to receive $50 cash back as a bonus.

Compare these great cash back cards and apply for the one that suits your spending habits.

No Hassle Miles card is a card for consumers with good credit only. So it is a wise decision to apply for a card issued by Capital One to improve your credit. If you decide to upgrade your credit account to a better one you will need to call your bank and discuss this issue in person.

There are several cards issued by Capital One that are good for building credit. Since you are looking for a card with points an excellent option for you is No Hassle PointsSM Rewards. This is a card for people with limited credit that allows you to earn 5 points per dollar spent at major grocery and drug stores and gas stations. You get 1 point per dollar for all other purchases. Plus, you get 0% intro APR on purchases till December, 2008.

Another card that might be of interest for you is No Hassle CashSM Rewards for consumers with average credit. It also has 0% APR on purchases till December, 2008. You get 1% cash back on every purchase and a 25% bonus on the cash you earn annually.

Consider all the options, do your best and we hope you will finally be able to apply for No Hassle MilesSM Rewards.

Since you are just starting to build your credit the best cards for you are those issued by Capital One for consumers with no credit. For example, Classic Platinum credit card has relatively low APR and 0% APR on purchases till December, 2008. However, it has a small annual fee.

Standard Platinum has no maintenance fee but its APR is slightly higher. You also get 0% introductory APR till December, 2008.

If you want to get a plastic for sure consider opening a secured credit account. Secured cards usually have much lower APR. For instance, Secured Visa® Credit Card issued by Applied Bank guarantees that your low 9.9% APR won't change even if you are late with payment. To get approved for a secured credit card you need to make a bank deposit to secure your credit account. All your payment information will be reported to credit bureaus.

587 FICO points on your credit report means that you qualify only for cards for consumers with bad credit. However, you are getting closer to the number that is considered fair (average) - 620. So it is about time to apply for a credit card and improve your credit rating.

The best option for you would be cards issued by First PREMIER. These offers are designed for people whose credit needs some improvement.

The lowest APR you can get right now is 9.9% if you apply for Gold MasterCard®/Visa or Centennial MasterCard®/Visa. These cards have instant approval so you won't have to wait to know whether you are approved or not. Your payment information will be sent to all credit bureaus. These are great cards to improve your credit.

You can also apply for Secured Visa® Credit Card issued by Applied Bank. This is a secured card. That means you will need to make a bank deposit. This card has fixed low 9.9% APR. It won't change even if you are late with your payment.

There are several cards that might work for you.

Business Platinum Rewards MasterCard® issued by Advanta Bank. This card gives you 5% cash back on the first $1,500 on eligible purchases, including gasoline and diesel fuel annually, and 1% on all other purchases. If you already have a credit card a good idea is to transfer your current balance because this card has 0% APR on balance transfer for 15 months.

Chase Business Rebate Card. This card gives you 3% cash back for purchases at gas stations, restaurants, building supply stores and office supply stores and 1% cash back on other purchases. This card also gives you 0% APR for 15 months.

Discover® Business Cashback Card. You get 2% cash back on gas, 5% on office supplies and 1% on everything else. On top of that you receive $100 cashback bonus as soon as your application is approved. This card comes with 0% intro APR for a year.

Compare the deals and apply for the one you like best.

Most credit cards with 0% APR on balance transfer are for consumers with good credit only. However, there are some cards for fair credit that have very good interest rate for balance transfer.

Your best choice would be Platinum Card or Platinum Visa issued by Capital One. These cards are designed especially for those who want to pay off their balance on other cards. They have very low APR on balance transfer - 8.65%. Also these cards have 0% APR on purchases until December, 2008.

Classic Platinum from Capital One also has reasonable APR on balance transfer - 14.65%. The card has no balance transfer fees. 0% intro APR on purchases till will help you save if you plan to use this card for purchases.

Most likely, you won't be able to transfer $4000 at once. Usually, credit limit on these cards is up to $2,500 and $3,000. It is still wise to transfer some of your balance to a card with better rates.