i think that getting a visa from the bank of your choice would be best way to regain stability

I would try Providian. They dont have an annual fee and their APR is as good as any other. I think you can even apply online at

Dont be shocked if it reroutes you because they are in the middle of changing their name to Washington Mutual. But they are a great company and have a wonderful website. They even update you every month on what your credit score is so that you can kind of keep track and watch for identity theft. Anyway, good luck.

Its going to be hard to find a card with no annual fee and low apr for someone to re establish their credit, your best bet is to try capital one. I have 2 cards thru them a visa and a mastercard their rates are a little high but they are a good company, I had no credit established at all and I got a credit card thru them and they give credit increases every 3 months or so I believe if you make your payments on time and dont go over the credit limit.

Providian and Chase are horrible- they give you say…a $1500 credit limit…you charge it up because you’re low on money or lost a job or had an emergency, etc. Then, about a year later, after you’ve paid, and paid, and paid at your low introductory flat rate of say…7%, they send you, in teeny, tiny print, a notice that says you have to “opt out” by cancelling your account if you don’t want to pay upwards of 28% – 29% interest. They say they have a right to “ammend” your account if you don’t meet their payment preferences…say, you only pay the minimum payment or slightly above each month.

My recommendation? Go with American Express Green Card. Yes, there is a $59 annual fee, BUT, you have to pay the balance at the end of each month which prompts you not to charge it up. As well, every payment you make shows up as a positive on your credit report.

Depending on how long ago you canceled your cards, and the standing on the cards when you canceled, you might try to see if they will rehab one of the cards.

You might go to the Bank of America website. They have a card selector that you can do that will not pull a hard inquiry for a recommendation. If you apply for a recommended card, then they will pull a hard.

Orchard Bank and HSBC also have the card selectors but they are not as prime as BoA.

Stay away from Cap One. They do not report your credit limit, only the amount that you charge. That will definately hurt your utilization and lower your scores.