If you have a troubled credit past, then you know how unfairly consumers with bad credit are treated. You pay higher interest rates on credit cards, insurance, car loans and more. If your suffering under the high interest you need to start rebuilding your credit as soon as possible.



One sure way to do that is to get a credit card such as the Orchard Bank card and start adding a new credit history. We recommend the Orchard Bank card due to the low fee schedule and absolutely no junk fees such as monthly maintenance fees, etc are imposed on your account. Get more and apply here information here

When you get your new credit card, take these easy steps to manage your account wisely.

#1 Never charge more than 30% of your credit limit. So if your credit limit is $600, you should never charge more than $200
#2 Pay your bill in full every month.

After getting your new credit card, you need to practice sound money management by taking these two simple steps.

#1 Get a Checking Account – A must have to manage your money. You have access to pay your bills on time and you see where your money goes. Have bad credit? No sweat, check out our directory of banks here.

#2 Start Saving – I know that sounds hard, but it really is not. Open a high interest account at HSBC or Ally bank and have a few dollars per pay period deposited in to your new account. It does not have to be much. Just get started and watch it grow.

#3 Pay Your Credit Card Bill in Full – I said it above and I will say it again. Pay your credit card bill in full every month. Sounds hard, but it is really simple to do. Simply charge the items you would normally pay cash for. Then put that cash away till the end of the month and when you get the bill pay it in full.

If you need to rebuild your credit, it is definitely doable but do not expect it to happen over night.