Credit Cards may have been the reason your credit got the way it is. So you decided not to ever have a credit card again. I know credit cards are evil, but they are a necessary evil to establish credit. Let's assume you have messed up your credit report with credit cards in the past. So now you must re-establish your credit. What is the quickest way to establish new credit? Most people don know this but credit cards help your credit rating. So you need 1 to 2 cards reporting to your credit report. Ok, but back to the re-establishing credit after some credit issues. You need to go get a Secure Credit Card, this is the quickest way to get your credit score on the rise. Yes, you need to deposit money with the bank, but it's your money, and you quickly start the process of reporting good credit to all 3 bureaus. Here are some great secure credit cards I highly recommend that does not have a bunch of outrageous fees.

1. Orchard Bank

2. First Premier Bank

These two Secure Credit Cards usually start reporting to the Bureaus to establish good credit with in 60 days. These cards will quickly allow you to get your Credit Score in the right direction. I have talked about how to keep your balances low and what percentage of the allowed credit to charge up. You want to keep your balanced that is charged on your card 30% or less of allowed credit limit. While you are dong all of this, you can keep in the back of your mind, that every six months these credit card companies usually will allow you to ask for credit limit increases as long as you are in good standing. Remember once your balanced owed drop below 30% of your allowed credit limit, your credit scores will increase.

Who cares if you have had problems in the past because of credit cards, I am sure by now you have learned not to make the same mistake twice. Credit Cards are necessary to get the better rate on that loan; it is another way to show your ability to pay back a creditor that has extended credit to you. This is what Credit Reports are all about, who is reporting you, and your ability to pay back obligations. In a nutshell credit cards are necessary so if you don't have one I would get the process going.