You are able to obtain a credit card now, even if you've had credit problems a long time ago. In fact, you have more options open to you for getting new charge cards than you ever thought possible. It doesn't matter if you've declared bankruptcy, had overdue amounts or charge-offs, or have a very low credit score. If you understand where to look and what to do, a shiny, new, and very real credit card in your name can be in your hands in barely a very short space of time. You don't have to let bad credit keep you down any more. There is a way out of bad credit, despite how bad it may have gotten. You merely need to do the proper things in the right order at the right time, and credit can be yours again.

First, you need to go for a frequent credit card, just to try to get one. In some incidences, your credit might not be as bad as you think, and you will measure up to one without a complaint. All the same, if you actually know you have bad credit, then opportunities are that getting a typical card won't work. That's o.k., though. You can nevertheless get a card. You'll just have to watch other alternatives. The good news is that there are plenty of other options about. One of them will work for you.

One of the most commonplaces of those other alternatives is a First Premier card or an Orchard Bank credit card. One or the other of those choices is okay. It is these that are the special credit cards for people with bad credit. You will not be in a position to qualify for a high initial balance, and the interest rates will be a bit high, but it is these that are the genuine credit cards that are freely given to even people with terrible credit. The Orchard Bank card will normally 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 score. Actually, after you've had one of these cards for some time and have proved a good payment history with them, you will be in a position to request a rise in your restrict and might even be in a position to convert to a lower interest card.

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 place 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 aid you re-build your rating, and is a sure way to get a card now if you must.