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Sorry, but our site provides credit card applications only for people over 18 years old.

Yes, at our site you can find student offers for all types of credit. If you have bad score, pay attention to Citi® Platinum Select® Card for College Students. It has a 0% APR on purchases and balance transfers for 6 months and no annual fee. The bank doesn't require minimum income or a co-signer to approve your application.

Another variant for bad score is Citi® mtvUTM Platinum Select® Visa® Card for College Students. It comes with no annual fee, 0% introductory APR for 6 months and a good point rewards program. You will earn 1-5 ThankYou Points® for every dollar you spend. The points can be redeemed for gift cards, MTV events, and airline tickets.

No Hassle CashSM Rewards for Young Adults from Capital One® is designed for those with limited credit. You will have a 0% interest rate on purchases, and a cash back program. The bank offers you to earn 1% cash back on all purchases and 25% annual bonus on cash earned during the year.

Consider Blue card from American Express. It has 0% APR on purchases, no annual fee and 2.99% fixed APR on balance transfers for the first 12 months. Plus, you can earn 1 point for every $1 you spend. The balance transfer fee is capped. Its maximum amount is $99.

Starwood Preferred Guest® Card from American Express offers 2.9% introductory interest rate. There is no annual fee for the first year. And moreover, you don't need to pay a balance transfer fee! You will earn 1 point per $1 spent on the card and 2 points per $1 spent for Starwood related purchases.

Gold Delta SkyMiles® Credit Card from American Express has 9.99% APR on balance transfers, but there is no balance transfer fee associated with this offer. You can also take advantage of travel rewards program and earn free airline tickets.

If you already have an American Express card, you won't be able to transfer your debt to a new American Express card. In this case we recommend you Discover offers. However, their credit limit is up to $50,000.

Balance transfers won't affect your credit score if you don't close your old cards. Credit bureaus consider your credit utilization ratio - the percentage between your balances and your total available credit. The lower this percentage, the better. If you have maxed out your spending limit, it means that your utilization ratio is about 100%. It's not good for your FICO score. When you get a new card, the amount of your available credit increases, so the ratio will become lower.

Unfortunately, all credit cards for people with no credit and for young adults come with a small credit limit - about $3.000. If you want to get bigger credit line, you need to work hard to prove your financial responsibility. This process is not fast. When you become a student, you can apply for a student credit card. They typically have a reasonable interest rate, moderate fees and an attractive reward program that matches young people's interests. Their credit limit is about $3.000-$5.000.

Another way to establish credit is to apply for a card for people with no credit, but these offers may come with high finance charge.

Then you get an appropriate plastic, you need to make on time payments and keep your balance low. The lenders regularly report your payments to the main credit bureaus. It will help you improve your credit score and qualify for cards with better features and higher spending limits.

Another solution is to find a co-signer with good to excellent credit score. He or she needs to apply online for a suitable credit card and get approved. Then the co-signer should contact the bank and say that he/she would like to add you to the account. After that you will be able to use his/her plastic. Credit cards for good credit have $10.000-$50.000 spending limit.

If you are going to rebuild your credit, consider Orchard Bank offers. They come with many favorable features that will simplify your credit-repairing process.

Orchard Bank Classic MasterCard® provides a zero introductory APR for 6 months on purchases and balance transfers, for qualified applicants. After the interest-free period the card offers a moderate ongoing APR. If you tend to forget about your payment due date, you can set up email and text messages that will remind you to make a payment. A positive credit report is the key to a solid FICO score!

Orchard Bank Low APR MasterCards come with a low 7.9% - 8.9% variable interest rate on purchases. Actually, this offer includes four cards: Platinum, Gold, Classic, or Secured. The bank will tell you which card you can qualify for after you have submitted necessary personal and financial information.

Household Bank® Low APR MasterCards have nearly the same features - a low 7.9% - 8.9% variable interest rate on purchases, free online bill pay and email or text message alerts to remind you of your available balance and upcoming payment due date. This offers includes 4 variants: 3 Platinum cards, and a Secured card. After you fill out your application, the issuer will evaluate your creditworthiness and specify which deal you can get approved for.

The Equal Credit Opportunity Act gives you the right to know why your application was denied. The lender must send you a notice that tells the specific reasons. If you didn't receive it, you can make a request within sixty days after you have received a rejection letter. Ask the lender to be specific, because vague and indefinite reasons for denial are illegal. Such reasons as "You did not meet our minimum standards," or "You did not get enough points on our credit-scoring system" are unacceptable. The lender may write: "Your income was low," or "You haven't been employed for a long time." Working on your shortcomings is your key to qualifying for credit offers in future.

A credit denial does not mean that you can't get approved for credit cards issued by other banks. The similar plastics may have different criteria of approval. Compare the offers at our site and apply for a credit card that you feel you have the best chances to get. But be critical: if you have bad credit, don't submit an application for excellent cards.

First of all, find out your FICO score. It will help you determine which offers you can qualify for. If, for example, you have 620-659 points, it means that your FICO score is fair. You can choose cards in our section called "Fair Credit Card Offers". Browse all application and decide what plastic will work best for you!

Another way to find a suitable offer is to determine your main financial goals and choose a card according to them. Do you want to make a balance transfer? Look in "Balance Transfer Cards" section. Are you a college student? Browse all applications in "Students Credit Cards". And don't forget to check credit requirements of every plastic you want to apply for!

In order to save your time, we offer you three credit offers for the different types of FICO score. One of them may be your match you are looking for!

If you have good to excellent credit, pay attention to Blue Cash® from American Express. It has no annual fee and a 0% introductory APR on purchases for up to 12 months. Plus, you can earn up to 5% cash back on everyday purchases, including gasoline! Another advantage of this offer is a capped balance transfer fee. Its maximum amount is $99.

If you have fair score and you're on the way to a higher credit, we offer you Capital One cards. You will make a good deal submitting your application for a Capital One Standard Platinum. This offer has no annual fee. You can also save on the introductory interest rate on purchases.

Orchard Bank Classic MasterCard® is an excellent choice for people with bad or no credit. It comes with a moderate ongoing interest rate. You can even qualify for a 0% intro APR for 6 months on purchases and balance transfers! The card is accepted at millions of locations worldwide, including websites.

Don't get disappointed! At our website you can find credit offers specifically designed for students with limited or poor score. Used wisely, these cards will help you improve your low FICO score.

Citi® Platinum Select® Card for College Students is targeted at those with bad or no credit. It has very profitable features: no annual fee and a 0% APR on balance transfers and purchases for 6 months. You can also take advantage of free online account management and bill payment service.

Citi® mtvUTM Platinum Select® Visa® Card for College Students is also another option for young adults with bad or no credit. It offers no annual fee, zero introductory interest rate and a beneficial point rewards program. You will earn 5 points for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores.

Standard Platinum card for Young Adults from Capital One® is designed for people with limited score. It means that you need to have a record of timely payments and a good stable income to be approved. The card offers to save with no annual fee and a 0% introductory APR on purchases. A manageable credit line will help you control your expenses.

First of all, contact Orchard Bank and find out exactly what has caused the situation. The notice you mentioned could be the result of a simple mistake, but you shouldn't ignore this signal. The next step is to get a copy of your credit report from all the three credit reporting bureaus. Under The Fair Credit Reporting Act, you have the right to get free copies of the information in your file at each of the three nationwide agencies when you are, or believe that you are, the victim of identity theft. Credit reports will help you detect suspicious activity. For example, you can find fraudulent accounts that have been opened in your name. You have the right to ask that a consumer reporting agency block that information from your file.

If you are refinancing your home, you are able to apply for a credit card and get approved (it depends on your total amount of credit, current employment, income and FICO score). However, anything that causes your total debt to increase might have a negative effect on your current loan application. You may get other terms or features than you expected.

Plus, loan programs have strict guidelines regarding your FICO score. Numerous credit inquiries may lower your FICO score. That's why many banks ask to notify your loan officer before applying for any other credit, including credit cards and personal loans.