As a consumer, when choosing the right credit card for you, you need to take into consideration a number of things. For example, do you make your payments on time every month? Or do you need to rebuild your credit? If you have bad credit and thus, poor credit rating, the best option available is a range of 'secured' credit cards. Generally, you can improve your credit rating in this way, where the deposit you make into the account, determines your credit.

In the following information I will show why each of the 9 credit cards I am writing about, are good.

If you need to rebuild or establish your credit and you want a low annual fee of $29 where you choose your credit limit, I would suggest the Secured Visa Platinum credit card from the Bank of America.

Since 2005, in America you are entitled to an annual credit report free. The problem is many consumers are not even aware that this law exists, so when they come across an advertisement for a free credit report they jump thinking they are getting something for free.

Debt consolidation and credit counseling services that use this tactic are starting off building clientele on a deceptive note. After all, they aren't giving you anything free you couldn't get on your own. By choosing to omit that little fact, it makes their actions even more underhanded.

Many using the free credit card report tactics require you to provide your credit card information and sign up for a thirty-day trial of their services to get your free credit report. Trouble is had you known you could have gotten it with no catch.