Secure Credit Cards - Is there one out there that will approve me???

[glamchick]

I have a few collections on my report and a tax lien that I am paying off.  What secure credit card will approve me?  Trying to build my credit to buy a house next year.

[tobey]

Public Savings Bank is a good one. They don't care what's on your report--they don't even pull it.

[Anonymous]

Assuming you have no othet credit cards.   i suggest you get 2 secured cards if you want to apply for a mortgage.   Try to put down more than minimum if you can.

Among the major banks, these 2 are fairly easy.

HSBC/Orchard has a on site preapproval with soft approval. 

Capital One has a good secured card.

If they turn you down Public Savings Bank is your best choice.

[Anonymous]

I agree with Wolf. Another option is to check your local CU to see if they offer a secured card. I got mine at a local CU put 2k on it and in a year, of excellant use, they unsecured to 5k CL.

[smc733]

I agree with Wolf3.  I would make PSB the last on the list, as some creditors have denied people for "Relationship with a creditor that has an associated risk", such as places like Amex (don't know about any mortgage companies), because they know these are places people with bad/risky credit go.