Wells Fargo has a secured card with an $18 fee. I don't understand why anybody needing a sub-prime card gets anything else - maybe they won't give it to just anybody? The OP is much, much better off getting a secured card with a low fee than an unsecured card with a high fee. What do you really NEED a credit card for? Just checking into hotels, renting cars, and buying stuff online and over the phone, and for convenience of not carrying cash or checks. That's it. A secured card will do that for you. No one needs a credit card for borrowing money long term at high interest, and someone just out of BK knows that better than anyone. Once you get your credit built up, there's plenty you can do with credit cards at low or no interest, but at the moment I guess the only people who will give you a card are people who need good assurance to protect themselves against your default, and people who want so much money from you right up front in fees that the risk of your default doesn't matter to them. The important thing for the OP to do is to get in good financial shape, and getting credit is only a part of that, and can be a very small part. Credit is a tool. Figure out what you want to do, why you need credit, how much the credit will cost, and get credit only as it fits into your plans and helps you achieve your goals. Paying a ton of fees to vultures is not the way to achieve your goals. Again, check out the Wells Fargo page; that $18 fee secured card looks like a great deal compared to the other stuff that's out there.
