Credit Card Guide

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Credit Card Guide | The Loaded Pig

Credit cards can be tools to build or improve your credit if they are used responsibly. Be sure to apply for a credit card that is suited to your credit (poor, fair, good) to ensure you are approved.

Remember the credit card best practices: only spend what you can afford to pay off each month, never miss a payment, pay your balance in full each month, and set up automatic payments for the minimum balance and calendar reminders for the full balance.


Unsecured Credit Cards

Unsecured credit cards are a type of line of credit that does not require a deposit. In contrast, secured credit cards, usually for those no credit history or poor credit, require an amount deposited to secure the line of credit. You can use unsecured credit cards to build your credit history and raise your credit score.

Destiny Mastercard®

Destiny Mastercard Credit Card | The Loaded Pig
  • All the benefits of a Mastercard, without a security deposit.
  • Keeping your account in good standing may help establish and/or improve your credit history.
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score.
  • Reports to all three major credit bureaus.

Key Figures:

Regular APR24.9%
Annual Fee$59 – $99
Credit RecommendedPoor to Good
Credit Limit$300
Rates and fees are subject to change. Exact figures should be taken from credit card site below.

First Access Visa® Card

First Access Visa Credit Card | The Loaded Pig
  • Checking Account Required.
  • Reporting monthly to all three major credit reporting agencies.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application.
  • $300 credit limit (subject to available credit).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.

Key Figures

Regular APR34.99%
Annual Fee$75
Credit RecommendedPoor to Good
Credit Limit$300
Rates and fees are subject to change. Exact figures should be taken from credit card site below.

Secured Credit Cards

Secured credit cards require a deposit to open the line of credit. The deposit is equal to your credit limit, so if you deposit $350 that will be your credit limit and it will be refunded when the account is closed in good standing. Secured credit cards enable those with little credit history or poor credit to improve their credit with on-time payments.

OpenSky® Secured Visa® Card

Open Sky Secured Visa Credit Card | The Loaded Pig
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • View our Cardholder Agreement located at the bottom of the application page for details of the card.

Key Figures

Regular APR17.39% (variable)
Annual Fee$35
Credit RecommendedPoor
Credit Limit$200-$3000 at time of application
Rates and fees are subject to change. Exact figures should be taken from credit card site below.

The First Progress Platinum Elite MasterCard® Secured Card

First Progress Mastercard Secured Credit Card | The Loaded Pig
  • Receive Your Card More Quickly with New Expedited Processing Option.
  • No Credit History or Minimum Credit Score Required for Approval.
  • Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian.
  • Quick and Complete Online Application; No credit inquiry required!
  • Full-Feature Platinum MasterCard® Secured Credit Card.
  • Nationwide Program though not yet available in NY, IA, AR, or WI *See Card Terms.
  • Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.

Key Figures

Regular APR19.99% (variable)
Annual Fee$29
Credit RecommendedPoor/Limited/No Credit
Credit LineUp to $2,000
Rates and fees are subject to change. Exact figures should be taken from credit card site below.

CreditSoup – Credit Card Finder

CreditSoup - Credit Card Finder | The Loaded Pig

Get matched with credit card offers based on your Free Credit Score! Our no cost, card offer matching system not only matches you to the right card but also provides you with a truly free Credit Score. The process is quick and straightforward and your results are available immediately. Get matched today!


Credit Card Articles

Learn how to be a responsible credit cardholder by reading through our articles below. You can learn more about picking a credit card, tips to improve your credit score and when to use your credit card.