If you do a search online for unsecured credit cards, dozens of credit cards are handed to you all at once by companies claiming to have the best deals, including best interest rate, rewards, cash back, you name it, it's out there. If you have bad credit, it is tough to get an unsecured credit card. The line of credit is low and the interest rate is high and in many cases a deposit is required. After performing some of my own research, I discovered a type of credit card that allows a person with credit problems to re-build their credit while purchasing name brand products that otherwise would be unobtainable for someone with bad credit and little cash. It is an online shopping credit card or a credit card exclusive to an online mall. They offer to help you fix your credit with their express gold card that allows a credit limit up to $7500.00 on name-brand products that you shop for at their online mall and unlike the traditional unsecured credit cards there is no credit check. You get pre-approved right from the start. Everyone qualifies and your Express Gold Card account allows you to conveniently shop online for electronics, automotive supplies, health and fitness products, house ware, jewelry, clothes tools and general merchandise.

These types of credit card companies also offer free credit increases as long as your payments are on time and they report your account payments to the credit bureaus each month.

Is this type of credit card right for you? That depends. A credit card from a bank will most likely not give you a big enough credit line if you need to make a big purchase, but it is enough to help you re-establish your credit and if you make your payments on time you are rewarded with credit line increases. On the other hand, a catalog credit card such as Express Gold Card will allow you to purchase name brand products and re-build your credit in the process.