You can get a credit card now, even if you've had credit problems in the past.
In fact, you have more options open to you for getting new credit cards than you ever thought possible.
It doesn't matter if you've declared bankruptcy, had late payments or charge-offs, or have a very low credit score.
If you know where to look and what to do, a shiny, new, and very real card in your name can be in your hands in just a very short time.
You don't have to let bad credit keep you down any more.
First, you need to apply for a regular card, just to see if you can get one.
In some cases, your credit may not be as bad as you think, and you will qualify for one without a problem.
However, if you really know you have bad credit, then chances are that getting a regular card won't work.
That's okay, though.
You can still get a card.
You'll just have to look at other options.
One of the most common of those other options is a First Premier credit card or an Orchard Bank credit card.
Either one of those options is okay.
These are special credit cards for people with bad credit.
You won't be able to qualify for a high initial balance, and the interest rates will be a bit high, but these are genuine credit cards that are freely given to even people with atrocious credit.
The Orchard Bank card will typically have a higher limit than the First Premier card, and both will have high annual fees, but they are good cards to use for re-building your credit rating.
Finally, if your credit is so bad you can't even get one of these two cards, you can apply for a secured credit card.
This is a card that is secured by a deposit that you put down on it.
Your limit is equal to your deposit, and you pay back what you spend.
This is reported to the credit bureaus as favorable credit, to help you re-build your rating, and is a sure way to get a credit card now if you need to.
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