what is the best secured credit card with no annual fee and reports to credit bureau if my fico score is 600?
86100
Capital One has their No Hassle credit card. However, I don't know if they report to the Credit Bureau if your FICO is 600
336408
This is one of the most common questions on this board.\n\nHow do I build/establish credit?\n\nFirst off you need to be educated about how credit works in the U.S.  Every credit decision a lender makes is driven by FICO credit scores. You can go to www.myfico.com and look in the Credit Education section to learn how FICO credit scores are determined. To build your credit you have to place positive credit items on your file that will report positively for 6-12 months minimum. If you want your credit to be in the Excellent category (FICO score 720+) then your goal should be to have 3-6 revolving accounts(dept. store, gas cards, Visa. etc.) and 1-2 installment loans(car, mortgage) that are reporting positively.\n\nI would start out with a Bank of America or Wells Fargo secured Visa card. Both banks have great programs with low annual fees, low starting amounts ($300.00) and no junk fees. After 12 months of positive on time payments you will graduate to an unsecured status. Then you will probably be approved for other cards such as dept. store and gas cards.\n\nP.S. Stay away from crap like entrustsystems.com. It is a major ripoff and DOES NOT HELP your credit. Also, most "pre paid" debit cards are a rip off for the consumer. Just get a checking account with a VISA debit card. \nGood Luck
989780
www.capitalone.com  Look for the credit card that they offer to people to insufficient credit history.\n\nSometimes discover offers cards a little easier.\n\nOr, you can contact your bank and ask them if they offer a secured credit card.  For this, you will have to deposit money in a CD with the bank, and they will issue a card to you with a limit of that amount.
22622
Experian, Equifax, and TransUnion are the big three credit reporting companies. Although they don't share data with each other, your credit history should not differ substantially between them. A quick browse on the web seems to indicate that Experian and Equifax are the most people-friendly, with prompt service and informative customer care.\n\nIf you want to get your credit score (not credit history; that's different and you are entitled to one inquiry from one of the agencies every year), you can go to www.myfico.com and buy a comprehensive report that will show the info that each agency has (you'll pay a minimum of about $45.00). If you just want your score from ONE of the agencies, it's about $15.00 a pop.
442410
Try applying for Cap1 or Discover.  If you get denied you may have collections or something else negative on credit.  You'll want to open a secured account at either Bank of America or Wells Fargo where you will put money into a savings to act as collateral.  When you close the account you'll get that money back plus some interest.  Stay far away from companies offering a secured account that don't ask for a deposit.  They will give you a card with a full balance!  If the card has a $200 balance, you will owe $200 of the bat.  They say that they're doing you a favor because if you pay them on time you'll get better credit.  Your credit score is determined by a large part by your balance-to-credit limit ratio.  The lower you keep your balances compared to your credit limits, the better your score will be.  Using these scam cards you are giving yourself a ratio of 100%!  Stay with the big dogs or your trusted local bank if you go with a secure account.  Keep your ratio under 50% and your payments on time and you'll get offers for unsecured credit cards in 6 months or less.  Get two or three of those (keeping them under 50%) and you can close the secured account, take your deposit, and buy yourself a "congratulations" gift with the $200.
1065449
FICO scores are not used for the purchase of automobiles.  Beacon scores are the determinant method.  Your bank, credit union or other auto finance company will pull credit on you and assign a score.  Different lenders have different thresholds.  The better the deal you get for financing, the higher treshold you'll have to meet.  620 is usually considered the the bottom of the best tier of creditworthiness.\n   The fastest way to increase your credit score is to NEVER charge on any card more than 50% of the high limit.  30% is even better.  Installment accounts that are near 10 months or so induration, should be paid to within 10 months and they will no longer count against your credit.  Never make major purchases within the first 4 months that a new line of credit is established.  Accounts older than 4 months with low balances will drive up your credit scores.
483000
Many Credit Unions will let you open a savings account.\nYou put at least $200.00 in it and you can get a loan against it. Make regular on-time payments, and your credit will improve.\nAlso, many credit card companies offer secured cards to people with low or no credit.\nFirst premiere bank\nOrchard bank\nRewards 660\namong others.
58833
Your best bet is going to be getting a secured credit card - where you give them some money up front, and they give you a credit card. Use it wisely, pay all your bills on time, and don't overspend, and it'll help you build credit so that in a little while you can qualify for unsecured cards.\n\nWatch out for secured credit cards where where they charge you phenomenal interest rates or exuberant annual charges.
183973
You would probably have to start out with a secured card, or try getting a store card to build a credit score.  Then as long as your credit score is good you can get one almost anywhere.
380995
Yes.\n\nYou are looking for a secured credit card.\n\nA secured credit card is on if which you put a security deposit and charge against it. Most finical institutions who issue secured credit card charge noticeable monthly or annual fees.\n\nExample:\nYou put down a $200 security deposit.\nYou get a credit card with a $200 limit.\n\n\nA secured credit card may be the best way to repair a bad credit history. It will take a while, but if you pay on time, your credit will get better.\n\nIf you just need credit card convince, but don't care about your credit, try looking for a pre-paid credit card. You can get these from most local banks.
6140
www.annualcreditrport.com is the source for  a free report among the 3 largest credit reporting agencies. Experian, Transunion etc.\n\nWhat I do is to stage them 3 times a year so I can see what is being reported with each company.\n\nI simply mark my calender and then get an updated report.\n\nYou can get all three at once, but I think thats overkill.\n\nYou will pay a small fee for a FICO score.\n\nBest to you. Merry Christmas
572239
Go to your local bank and ask for a secured credit card.  They will ask you to put down a deposit - basically, payment in advance.  You will then be allowed "credit" against this amount.  As you make payments over time, you will build up your credit rating until the point where you can get a regular credit card.
15862
There are, but I would advise some caution.  One site is www.creditexpert.com which is run and operated by Experian.  You sign up online and give them your credit card number and personal information, try out a credit monitoring service designed to help prevent identity theft, and in return receive a free credit report and credit score.  The only problem is that you must cancel the service before the free trial ends (usually 30 days).  If you forget, they charge your credit card automatically for 1 year of credit monitoring service.  Also, to cancel the service you have to call the company and wait on hold around 15-20 minutes.  I would actually recommend getting a free copy of your credit report from www.annualcreditreport.com and then paying only around $5 extra for your credit score per credit bureau.
1026147
The previous answers are good advice, but remember that in order to get your "Credit Score" you will have to pay. For some reason congress only mandated a free credit report, but the free ones never show your FICO score.
740086
I'm happy with my Citi bank card and also my Washington mutual card.  The latter is really cool because it gives you your FICO rating and also gives a breakdown of total spending, categorizing what you spend your money on.  They have the best website, too.  It's easy to navigate.  I opted for a card with a liwer interest rate w/out rewards.  My citicard has rewards, though.  They have gas cards and other very useful items that you can redeem points for.  www.wamucards.com
692900
Go to http://www.annualcreditreport.com and request your totally free, no-strings-attached credit REPORT from each of the three major agencies.  But only do one agency every four months (i.e. Experian in June, Equifax in October, TransUnion in February) and you can monitor your report all year for free.\n\nFor your credit (FICO) SCORE, you'll have to pay (usually around $10), but you can do this through the site above when you order your free report.
905052
Unfortunately, there are always tradeoffs when you are looking for a credit card. I take it from your question that perhaps your credit is not so good. There are four types of cards that are available to those with poor credit.\n\n1. Secured credit cards - probably the best type of card to get because\n\n1. They have low annual fees\n2. Most do not have processing fee\n3. Most report to 3 major credit bureaus\n\nBut they will check your credit!!\n\n\n2. Unsecured credit card for people with bad credit.\n\nYou can also apply for an unsecured credit card. There many subprime credti cards around. However, they will check your credit and most likely, you have to pay a processing fee.\n\n\n3. Prepaid Credit Cards\n\nYou can also get a prepaid visa or mastercard. There are no credit checks. The reason is they are not giving you credit. (It's like a debit card). However, most charge a processing fee, some very low and some very high. Furthermore, you do not build a credit history with most prepaid cards.\n\n4. Catalog Cards\n\nThe most common are the ones from USA Credit. There are no credit checks, but you have to pay a processing fee. Furthermore, you can only shop at usashoppingclub.com and not use the card anywhere else. Having said that, they report to one credit bureau (not stated which one) and it helps you rebuild your credit.\n\n\nBest bet for you is to get a low cost secured credit card that reports to the 3 credit bureaus and not get hung up over the credit checks and processing fee criteria that you have set for yourself.