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Merchandise and Catalog Credit Cards - Featured Card
Orchard Bank® Visa® Cards

The Orchard Bank® Visa® Card can help you get your credit back on track. We report monthly to all three major credit bureaus giving you the opportunity to rebuild your credit with good payment behavior! Get pre-qualified in less than 1 minute!
• Acceptance at millions of locations including website purchases and reservations
•Your account information is updated and at your fingertips 24/7 so you can manage it your way
• Email and text messages to remind you of your upcoming payment due date with online enrollment
• On-call customer service representatives to assist you with questions or concerns

It is our goal to offer you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed.
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Merchandise and Catalog Credit Cards - What You Should Know!

Whether you have bad credit or no credit, it doesn't matter. Catalog cards offer guaranteed approval. You can use these cards only to purchase merchandise within their catalog. Normally these credit cards offer credit lines of up to $7500 and even more in some cases. . It is important to repeat that these cards can ONLY be used to purchase merchandise within the issuer's catalog. So it is important to review what products or goods are available for purchase.

So most people with poor credit can get an unsecured credit card, but you will want to compare the fees, costs and terms of each card. This site highlights new Merchandise and Catalog credit cards, for those with bad credit, as they become available.

Horizon Gold Credit Card
When you apply for your Horizon Gold account, you are guaranteed to receive the $500.00 Credit Card. Don’t wait, apply today!

  • Guaranteed Approval!
  • Bad Credit Accepted!
  • No Employment Check!
  • Reports to a Major Bureau!
Claim Your New Card
Get Your Perfect Credit Card Today! Get Matched with several Credit Card options in 10 seconds or less!
  • Need Credit Fast?
  • All Credit Types!
  • Safe and Easy!

Use Your Unsecured Credit Cards Responsibly - Your Credit History Will Reflect It
Credit scores reflect a person’s long-term patterns of credit use and repayment history over time. Scores improve as your credit performance picture gets better. An accumulating historical pattern of paying bills on time and using credit responsibly will always improve your score. So use your Unsecured Credit Card responsibly and over time your credit score will improve:

  • Always pay your monthly bill on time.
  • Keep your credit card balances as low as possible.
  • Pay off your entire monthly balance whenever possible to minimize interest costs.

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Free Information Resources

If you've ever applied for a charge account, a personal loan, insurance, or a job, there's a file about you. This file contains information on where you work and live, how you pay your bills...
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MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. Whether you are planning to buy a home....
MyMoney.gov