1000 secured credit card

1000 secured credit card

1000 secured credit card

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Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

Data as of August 2016. Comparison of longest average store hours in the regions (MSAs) in which TD Bank operates compared to major banks. Major banks include our top 20 national competitors by MSA, our top five competitors in store share by MSA and any bank with greater or equal store share than TD Bank in the MSA. Major banks do not include banks that operate in retail stores such as grocery stores, or banks that do not fall in an MSA.


No Credit Check Credit Cards, & PrePaid Debit Cards

No Credit Check offers. Prepaid credit card with no credit check. Get an approval for a prepaid credit card with no turndown and no credit check. Get a secured credit card or a prepaid debit card.

  • $1000 Credit Limit
  • No Credit Checks
  • Instant Approval
  • 0% Financing
  • No application denied for bad credit!
  • CLICK HERE TO APPLY ONLINE

*See Card Terms and Conditions

  • $500 Unsecured Credit Limit
  • Guaranteed Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Reports to a Major Bureau
  • Bad Credit - OK
  • CLICK HERE TO APPLY ONLINE

*See Card Terms and Conditions

Fee

  • See website for Details*
    • Credit Recommended
    • Damage credit to Fair credit

    • Guaranteed $500 Credit Line*
    • No Credit Check
    • Fast Online Application
    • Bad Credit - OK
    • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions

    Fee

  • See website for Details*
    • Credit Recommended
    • Damage credit to Fair credit

    OpenSky® Secured Visa® Credit Card

    • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
    • Security deposit needs to be submitted before the credit card can be issued.
    • No credit check necessary and no checking account required; apply in less than 5 minutes.
    • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
    • CLICK HERE TO APPLY ONLINE

    *See Terms and Conditions

    AccountNow® Gold Visa® Prepaid Card

    • Get Paid up to 2 days Faster with Free Direct Deposit * - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
    • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
    • $0 Activation Fee*. No Minimum Balance. No Risk of Overdraft fees.
    • $15 Bonus* with Qualifying Direct Deposit. Never Pay to Cash Your Paychecks and Get Your Pay Faster.
    • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
    • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds
    • BBB Accredited A+ Company. Excellent Customer Service.
    • CLICK HERE TO APPLY ONLINE

    *See Card Terms and Conditions

    Fee

  • See website for Details*
    • Credit Recommended
    • See website for Details*

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

    1. Credit Scores range from 300-850, the higher the better.
    2. Most lenders base approval on your credit score.
    3. Higher Scores mean lower payments and better deals.
    4. Higher Scores mean Lower interest rates.
    5. Scores are determined by 5 main categories:
      • Payment History
      • Amounts Owed
      • Length of Credit History
      • Type of Credit Used
      • New Credit

    Note: Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

    *See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.


    Top Credit Cards for Bad Credit In Canada – Unsecured & Secured Credit Card Options

    1000 secured credit cardFor people with impaired or no credit history, perhaps there’s no quicker or more effective way of re-establishing their credit than with a credit card. Luckily, even if you’re currently in bankruptcy, consumer proposal or emerging from insolvency, there are a growing number of credit cards for bad credit in Canada.

    Canadians can now choose from a host of different types of credit cards to help them establish, re-establish or repair their credit histories and credit scores. Whether you’re looking for an unsecured, guaranteed approval, or secured credit card, there’s an option that’s best for you.

    With the credit cards below, you can enjoy all the benefits of having a credit card, even if you have no credit history, or have had credit problems in the past. These credit cards for bad credit will help you rebuild or establish a strong credit rating, while giving you the convenience and security of a credit card – make purchases online or over the phone and book travel reservations easily and securely.

    Top Credit Cards For Bad Credit

    Top No Annual Fee Secured Credit Card For Bad Credit In Canada:

    Click Here To Apply

    A no annual fee secured credit card requires a security deposit but does not charge an annual fee. Your credit limit is then set at the amount of the deposit. You can put down as little as $500, or as much as $25,000, depending on the card. If you decide to cancel your secured card, you can just pay off your outstanding balance, and you’ll get your security deposit back. Because the card is secured, almost everybody is approved. The only downside for some, is that it does require a bank account.

    Why It’s a Winner: The Home Trust Secured Visa, is a great option for those not approved for an unsecured credit card, looking to re-build or establish credit through a secured credit card but don’t want to pay an annual fee.

    While it does require a minimum deposit of $500, you are guaranteed to get approved. Once approved, you can start to use it like any other credit card, and Home Trust will report your payments to both Equifax and TransUnion, helping you re-establish your credit.

    It does come with a 19.99% interest rate, (but you shouldn’t be carrying a balance on a secured credit card anyways). Also, if you have any large purchases you need to make on the card, you can deposit as much as $10,000, which should give you all the flexibility to have a large enough credit line for big ticket purchases.

    Top Low Interest Secured Credit Card For Bad Credit In Canada:

    Click Here To Apply

    Even though this is a secured credit card, some people still may carry a balance from time to time, and if you do, a low interest option is critical to keeping down your borrowing costs.

    Why It’s a Winner: The People’s Trust secured credit card offers a low interest rate of 12.99% on balances, two percentage lower than the next best secured credit card.

    What also makes this card unique among it’s peers, is that you can create a security deposit as low as $500 to as high as $25,000. That’s the highest deposit allowed in Canada, to our knowledge, giving you the baility to create a $25,000 line of credit and all the flexibility to spend on big ticket items to meet your individual needs.

    This card is ideal if you have had credit problems and want to rebuild your credit rating, have no credit history and want to establish a good credit rating or are a discharged bankrupt.

    Just be careful with the low interest rate. If you intend on carrying a balance, you’re probably better off not getting the card and using the money that you would have used for your deposit to pay for your service – interest free.

    You will need a bank account to be able to apply for this secured credit card.

    Top Unsecured Credit Card For Bad Credit In Canada:

    The Affirm MasterCard ® Credit Card

    IMPORTANT NOTICE! Affirm Financial Services has temporarily suspended issuing new credit cards. This is the message showing on their website:

    “As we continue to find progressive ways to support the credit needs of Canadians, Affirm Financial Services has temporarily suspended issuing new credit cards, loans and all credit limit increases.

    We are working hard to ensure that we bring you the credit products you need as soon as we can. We sincerely apologize for any inconvenience this may cause you.

    Existing Affirm Mastercard customers may continue to use the card in accordance with the terms of the cardholder agreement.”

    An unsecured credit card for bad credit is a card designed for those with impaired credit. However, because it is unsecured, you won’t have to put any deposit or security against the card, and you’re not required to have a bank account. It’s a great alternative if you’ve been turned down for a credit card by the banks.

    The advantages of an unsecured credit card are: 1. You get a true line of credit, without having to give a security deposit. 2. Your credit history gets reported to the credit bureaus. 3. It allows you to build or re-build your credit, even if you had difficulties in the past or present – even consumer proposal or bankruptcy.

    Why It’s a Winner: The Affirm MasterCard is our top ranked credit card for bad credit, because it stands alone in Canada as the only unsecured credit card for bad credit with absolutely no security deposit required. It’s a great opportunity for those who have declared bankruptcy or have been or are in consumer proposal, offering unsecured credit lines as high as $3,000.

    It comes with an interest rate of 29.99% for homeowners and 34.99% for non-homeowners, comparable to a store credit card, and much lower than a pay day loan. But remember, you shouldn’t be carrying a balance anyways. The idea here is for you to use good credit habits and pay down your credit card bill every month, not just the minimum payment, on time – use automatic payments if you can’t trust yourself. Pay down your balance every month and the interest rate is irrelevant.

    It does come with an annual fee of $84 per year, charged at $7 per month. Reasonable for the risk the bank is taking, and when you consider many secured credit cards also come with an annual fee. Once you’ve re-established your credit, you can apply for a no fee credit card, and avoid the annual fee altogether.

    Affirm reports to both credit bureaus, Equifax and TransUnion, with every payment. Not all lenders do this. As a result, the Affirm MasterCard will help you build a positive track record of payment performance, and improve your credit history and score as quickly as possible.

    READ THIS TO GET APPROVED: To help you get approved for this card, if you’ve declared bankruptcy or been in consumer proposal you should have a FICO greater than 500. If not, your FICO should be greater than 600. Your annual income should be at least $10,000. You should not have a payday loan inquiry. Nor should you have a major derogatory like a delinquency, or judgement in the last 6 months.