Visitors to our site with a credit history or rating that is "less than desirable" have found this section of our site to be helpful. The cards listed below can help you improve your credit rating if used responsibly. These section also highlights cards that cater to consumers who are seeking to "establish credit" (such consumers do not have a credit history). Unless noted, the cards below report to at least one of the three major credit reporting agencies or bureaus.

Many cards featured on our site offer secure online applications. Online applications are safe, fast (some cards offer instant online approval for example), and convenient. For more information regarding online security issues, please visit our internet security page.