In this day and age, credit cards are mandatory for people on the move
. Most stores providing goods and services necessitate the use of a credit card for payment. Further, a credit card allows the financial freedom that a person requires.
If you have had a history of bad credit or bankruptcy, the chances of you getting a normal credit card are slim, but definitely not zero. There are companies which provide bad credit credit cards for people.
How to get a bad credit credit card
It is better for you to apply for a bad credit credit card at a smaller retail store than a big credit card company. Smaller stores would be more inclined to give you credit cards for bad credit than larger companies which look for elite customers. It is important that you pay at least the minimum payment every month on time so that you can lower the interest charged on purchases.
A bank or a credit union which already handles your accounts and finances will be in a better position to give you a credit card in spite of your bad credit.
Secured credit card
A secured credit card would serve as a bad credit credit card in case of a last resort move. The bank which offers you a secured credit card usually demands that you open and maintain an account in their bank as a security precaution.
Other options
To get bad credit credit cards, it is better to ask a family member or a friend to sign their name for security. It is mandatory that the co-signer has a good credit history. This essentially means that if you fail to pay back the borrowed amount, the co-signer would be held responsible for the payment and it would appear as a blemish in his records.