Tribute, Orchard or First Premier

[dancing]

Have bad credit and am thinking of either the Orchard Bank card or First Premier Bank. Looks like these are the popular ones. But I have recently come across Tribute Mastercard. Has anyone have experience with this one or any of the rest?

[cindyz]

Have both orchard and first permier. Orchard has lower fees, but first premier has slightly lower apr (for me at least). So far both are ok and I would probably not apply for anymore cards, unless I get preapproved for a no annual fee card. That will wait until my credit improves.

[flatscreen]

Hey Dancing

when you have bad credit, you can't be picky or choosy. I have both the First Premier and Orchard. They both serve their purpose in helping you rebuild your credit. But make sure you pay on time.

Once your credit is good enough to qualify for a no annual fee card, then you can dump these high fee cards.

[holepuncher]

I have the Orchard, First Premier and Imagine. Depending on the credit lines given to you, you may have to get both.

[louisgodwin]

I've got the First Premier card. So far no complaints. It's the first card I've been able to get in a long time.

[trickrtreat]

Well, I had Orchard. They were great. Until I got down on my luck again. They are still trying to work with me, though.

[trickrtreat]

Well, I had Orchard. They were great. Until I got down on my luck again. They are still trying to work with me, though.

[aquariancore]

Orchard has been a good experience and the fees are reasonable.