Having bad credit doesn't mean you can't get a credit card. There are many credit cards in todays market that are made specifically for people with bad credit. They are called bad credit credit cards or sub prime credit cards by most people. These cards don't require a high credit score in order to obtain credit approval . There are many different types of bad credit cards: secured credit cards - they require a security deposit, unsecured credit cards - don’t require a security deposit, debit cards - prepaid cards tied to your checking account and merchandise cards - these cards are not the traditional type of card. They give you a high credit limit, but you can only buy goods and services through their catalog or website. All of these types of cards can help you rebuild credit as long as they report your activity to at least 1 credit bureau.

1. What To Look For When Applying For A Bad Credit Credit Card
Nowadays it's not difficult to get a credit card with bad credit. Several credit card companies are
promoting debit cards charge cards to fulfill the requirements of individuals who've earned poor
credit scores. Whether for reasons of medical or unemployment emergencies or for reckless
spending, adverse credit score is an attribute that is common now. Obtaining a regular credit card
with this particular kind of background might not be easy. Understanding how and why you now
have poor credit can help you over come this problem.
Before getting one or applying for such a card, you should make certain to quickly appraise the
reasons of your bad credit. Loss of job etc, then there's nothing to do if it's been for
circumstances beyond your control like illness. However, if it's been for spending beyond your
means, you should try to avoid repeating it in future. It is always wise to work on a budget drawn
carefully balancing your likely credits and debits. This budget must contain provisions for timely
payment on account of your credit card. Make sure your budget is detailed and allows you to pay
all your debts on time.
When you're attempting to get a credit card with less than perfect credit, you need to do some
market research to look at the best offers. Generally, Bad Credit credit cards charge higher
interest than regular credit cards. Often called Annual Percentage Rate or APR, the rate depends
on your credit score, the type of credit card it is, and any extra features it may give you.
Generally instant credit credit cards will have a higher interest rate then say a secured credit
card..
You should consider putting all your credit cards on automatic payment for at least the minimum
due. It would be in your best interest to pay off each card each month so you don’t incur interest
fees, but its very important to make sure you pay your card on time. As you use your card and
make timely payments, you will see your credit continue to improve. Afterward it is simple to
switch to a low-interest regime from a high-interest regime. Ensure that your card does monthly
credit bureau reporting.