Secured visa credit card is an option that will be best for you if you have bad credit history. The reason is that many credit card issuers may find it difficult to offer you more unsecured credit line since it has been proved that you find it hard to repay credits. They may even offer you some high interests that would be too exorbitant and uncalled for. This may end up jacking up your debt profile and make more mess of your credit rating. If you have a bad credit rating and really want to have a credit card that will help you in the long, you are advised to stick with the prepaid visa credit card for the following reasons.

Your first of call will be Bank of America if your desire is to have low yearly fee. There is pegged at only $29 and you will be allowed to choose your credit limit in the Secured Visa Platinum credit card.

There is another secured visa credit card from Applied Bank that will be suitable for you is you don’t have constant source of income They don’t pay any particular attention on late payment and as such doesn’t penalize your for that. You will be asked to simply pay the Annual Payment Rate [APR] of 9.99%.

There are two options you also have if you really cherish 24-hour online access to your credit card account. One of it is the Access Visa Card and the other is the Plains Commerce Bank’s Access Visa Card. They both have excellent customer services and the later will even allow you to access your card account anytime through internet and take whatever decision you deem fit while the latter will let you do same only if you get to their bank.

If you are dire need of rehabilitation, you have to look in the direction of the American Pacific Bank’s Secured Visa Credit Card. You wouldn’t be required to pay a dime as application processing fee and any money you deposit will be part of your credit. It is very proper for you to take up a secured credit card offers but be sure to choose one you cant afford to default on. This will enable you to gradually mend your credit rating.