No deposit credit card - secured or unsecured with no deposit or fee.

Even if you have poor credit, you may still qualify for a no deposit credit card. Apply online a secured or unsecured credit card today.

About a no deposit credit card

There are two main types of no deposit credit cards:

• An unsecured credit card which allows typical purchases from retail stores, booking airline and motel reservations, etc. Examples of this type of no deposit credit card include Visa, MasterCard, Discover, etc.

• The second type is not an actual "credit" card. It is a catalog card. It's an unsecured card (catalog or merchandise card), which can only be used to purchase from a select line of products or from a catalog endorsed by the card issuer.  Examples of this type of no deposit card include a Sears credit card (charge card).

A no deposit credit card is an unsecured card that does not require pre-paying in order to enjoy a line of credit. These types of cards are more widely known by major issuers such American Express, Chase, Discover, MasterCard and Visa. Some issuers also offer a no annual fee credit card.

Aspire Visa® Gold Card. Have bad credit or looking to re-establish your credit? Apply for an unsecured Aspire Visa® Card and receive a 30-second online response - no fee to apply.

MasterCard unsecured credit card. The best card for bad credit just got better. Orchard Bank credit card program offers credit cards to those with little or damaged credit. We've helped millions of people obtain credit – Let us help you too.

There are some cards by major credit card company issuers which have a deposit or "pre-pay" requirement. The ones that are no deposit are generally referred to as "credit cards" and those that require a deposit are referred to as "cards" (without the word "credit"). Typically, "cards" that require you to pre-pay are secure cards, and the amount you can charge against the card is determined by the amount of your deposit. If you deposit, for example, $5000, then you can charge up to $5000. Hence, there is no actual "credit" being extended. Typically, these cards are marketed as no credit credit cards because of the easy, no credit check approval.

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Need more credit card information? Read our financial and credit articles related to no deposit credit card offers.

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There are always new technologies in the way of how people are using their mobile phones. The U.S. Bank and Visa have some new mobile payment processes that can help customers. This involves ways to make purchases using a mobile device. It can be as simple as using a phone and waving it in front of a Visa payWave terminal. According to the Visa website, the U.S. Bank can be thanked for this technology, and some select customers may be trying it next year.

People like to be mobile and there is so much new technology involving mobile gadgets. It can make managing bank accounts and making bill payments with a mobile device easier. Credit card companies appear to be leading the way for many ways people can manage their finances. Assessing information has never been quicker and more convenient.

According to the Visa website, memory cards can inserted in a slot found in many mobile devices, and this mobile payment solution is password protected. It uses advanced security technology to identify each transaction. There is no worry if lost or stolen, the chip can be disabled by the bank. Allowing people the ability to link an existing payment account to a mobile device is changing the way people can pay and how merchants get their money.

There can also be mobile banking solutions to pay bills for prepaid cardholders too. For Visa cardholders, getting account alerts, and offers can be done as cardholders are on the go through the means of a Visa Mobile application. The U.S. Bank was one of the first banks to test the Visa Micro Tag, an early no contact mobile payment device. For these details and other information visit the Visa website. Visa has some great credit card options that can be viewed on their website. Offers may include prepaid cards that can have 100% approval.

Compare Pre-Paid Credit Card Offers:

Account Now Prepaid Gold Visa Card - The Account Now Prepaid Gold Visa Card has free direct deposit and free online billpay but charges high fees.

American Express PASS Prepaid Card - The American Express PASS Prepaid Card helps parents give spending money to their teenagers and monitor their spending.

American Express Prepaid Card - The American Express Prepaid Card is one of the best values in the prepaid card market. It has practically no fees.

American Express for AAA Prepaid Card - The American Express for AAA Prepaid Card comes with a AAA membership card and a $25 bonus if your first load is $200 or more. There's no credit check and many other Amex and AAA benefits.

BB&T MoneyAccount Card - The BB&T MoneyAccount Card is a prepaid card that lets you get a Visa card without a credit check. There is a $10 monthly fee that is reduced to $5 if you load more than $1,000 to the card each month.

Bill My Parents Teen Prepaid Card - With the Bill My Parents Teen Prepaid Card parents can keep track of their kid's spending. The review contains a list of fees associated with this prepaid card.

Capital One Prepaid Card - The Capital One Prepaid Card is a prepaid MasterCard with practically no fees.

Green Dot Prepaid Card - The Green Dot Prepaid Card offers an alternative to bank debit cards and secured credit cards.

Kardashian Prepaid MasterCard - The Kardashian Prepaid MasterCard charges high monthly fees and lots of other usage fees.

Mango MasterCard Prepaid Card - The Mango MasterCard Prepaid Card charges low fees and gives you the option of setting up a high-rate savings account.

Prepaid Visa Rush Card - The Prepaid Visa Rush Card is a prepaid card that doesn't require a credit check but charges high fees.

ReadyDebit Prepaid Visa Card - The ReadyDebit Prepaid Visa Card charges high monthly fees and lots of different transaction fees. It also offers several plan options that are very confusing.

The Approved Prepaid MasterCard from Suze Orman - The Approved Card was created and is endorsed by financial guru Suze Orman. The card is cheaper than other celebrity-endorsed prepaid cards, but will it live up to the hype?

UPside Prepaid Visa Card - The UPside Prepaid Visa Card offers low fees plus a rewards program.

Univision MasterCard Prepaid Card - The Univision MasterCard Prepaid Card doesn't require a credit check. It charges a fee of $9.95 a month.

Walmart MoneyCard - The Walmart MoneyCard is a prepaid card with low fees that is accepted wherever Visa cards are accepted.

No Deposit Credit Card	Apply for a no deposit credit card. Review card offers from various issuers.
Choosing a credit card right for you.	Help with choosing a credit card with rewards right for you or for your credit rating. Get pre-approved based upon your history, whether a no deposit credit card or one to rebuild credit.
FDIC Insured Bank Deposit Advice	Advice on how to purchase FDIC insured deposit products (checking, savings and certificate of deposit (CD) accounts).
Instantly Approved Pre Pay VS Platinum Rewards	With multitudes of card offers; ranging from instantly approved pre-pay cards to no deposit platinum rewards cards, how do you choose the best credit card? Before you compare perks and benefits, first weed out cards that may not help you.
Mortgage Loan Woes	Credit woes continue for borrowers as well as lenders for new home loans and 2nd mortgage refinancing. Although falling home values make purchase prices and deposits lower, it's also harder to get loan approval. Meanwhile, homeowners are quickly losing equity.

Credit Card Comparison Guide	Choosing a credit card right for you. Review credit card comparisons of balance transfer offers and introductory interest rates plus special rewards like no deposit or gas rebates to help you choose a good or bad credit card.
Debt Management Plan Advice	Review our free debt management plan advice. In a DMP, you deposit money each month with a credit counseling organization. The organization uses these deposits to pay your credit card bills, student loans, medical bills, or other unsecured debts according to a payment schedule they’ve worked out with you and your creditors.
Bank Ratings	The Federal Deposit Insurance Corporation (FDIC) issued its newest list of state nonmember banks. Apply for a bank checking account and use our free checkbook register software.
Debit Cards Lack Credit Card Power	No doubt, debit cards are convenient and popular, but they lack the power of no deposit, unsecured credit cards.
Free Credit Card Tips	Free credit card tips by Credit Federal. Avoid extra fees and high interest rates. Get an elite, no deposit credit card.

Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability.
 

CAN I SUE A CREDIT CARD COMPANY FOR FRAUDULENT CHARGES - How to Sue Credit Card Companies - Copyright © 2004-2008 Suing101.com

Have you ever been billed for merchandise you returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account?

Suing Creditors: You can sue any creditor who violates the Fair Credit Billing Act (FCBA) - explained in detail in this article - and, yes, that includes credit card companies.

If you win, you may be awarded damages, plus twice the amount of any finance charge - as long as it's between $100 and $1,000. The court also may order the creditor to pay your attorney's fees and costs.

If possible, hire a lawyer who is willing to accept the amount awarded to you by the court as the entire fee for representing you. Some lawyers may not take your case unless you agree to pay their fee - win or lose - or add to the court-awarded amount if they think it's too low.

Sue Only as a Last Resort - While frustrating, these types of errors can often be corrected without having to resort to a lawsuit. It takes a little patience and knowledge of the dispute settlement procedures provided by the FCBA.

What types of disputes are covered?

The FCBA settlement procedures apply only to disputes about "billing errors." For example:

* unauthorized charges. Federal law limits your responsibility for unauthorized charges to $50;
* charges that list the wrong date or amount;
* charges for goods and services you didn't accept or weren't delivered as agreed;
* math errors;
* failure to post payments and other credits, such as returns;
* failure to send bills to your current address - provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends; and
* charges for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.

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