There is only one Merrick Bank unsecured credit card: the Merrick Bank Platinum Visa. This card is sometimes referred to as the “Double Your Line Visa,” because it offers the opportunity to double your credit limit if you pay on time for the first 7 months the account is open. The Platinum Visa is available to people with bad or no credit, but only people who have been pre-qualified can apply. If you haven’t already received a pre-qualified offer from Merrick Bank by mail, you can check if you’re pre-qualified online.
Merrick Bank does not list APRs or fees for the Platinum Visa on their website. But you’ll be able to see all of the details once you receive a pre-qualified offer. You can read the terms over before deciding to apply.
If you don’t pre-qualify for the Platinum Visa, the only Merrick credit card you will be able to get is the Merrick Bank Secured Visa. It is also marketed toward people with bad, limited or no credit. It’s easy to get approved for because it requires a refundable security deposit of at least $200, up to a maximum of $3,000. The amount of your deposit determines the credit limit. The annual fee is $36 for the first year. But after that, the fee is charged in installments of $3 every month. The Secured Visa’s APR is 19.7% (V).
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Platinum Visa® is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
The best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance. … read full answer
If you’re not sure where to start looking for secured credit cards for a 600 credit score, WalletHub has picked out a few examples of popular offers.
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