If you have a bad credit rating (roughly a FICO Score below 660), your selection of credit cards is typically very limited. Your credit score can get this low as a result of several different kinds of financial disasters, including having collection accounts, charge-offs, going bankrupt, receiving tax liens, or having a long history of delinquent payments.
If you have bad credit and want to get a credit card, you have several options:
- A secured credit card – Secured credit cards require a deposit. See our Editor’s Picks for Best Secured Credit Cards.
- An unsecured credit card designed for people with bad credit – These cards do not require a deposit, but may come with other annual fees or higher interest rates. See our Editor’s Picks for Best Unsecured Credit Cards for Bad Credit.
- A credit builder loan – This is a special type of loan designed to build your credit so you can get better credit cards in the future. See our review of Self Lender to learn more about this option.
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