How to Get a Credit Card if You Have Bad Credit
If you are someone with a low credit score, then you might be thinking that it is impossible now to improve your credit score and get a new credit card. There are many reason why one has bad credit and the most common is that one has missed payments on credit card balances. But the good news is that even with a bad credit score, you can still get a credit card. Here are some ways that you can do so. 

One of the credit cards that you can apply for is the high interest card. As the name suggests, using this card will give you high interest rates. This card is available for people who have bad credit but haven't had a major default, meaning, there was no repossession, no bankruptcy issues or closed accounts due to on payment. If you get this card, you now have a chance to improve on your credit score. But you have to make sure that you spend responsibly and show them that you can make payments on time. If you are able to do this for 6 months or more, then you don't have to continue using this card. You may now be eligible to negotiate a card with a lower interest rate.

You can also apply for secured credit cards. These types of cards are low risk but at the time of application, you need to pay an upfront amount equivalent to your total credit limit. This is the security for the credit cards. Once again, like the high interest card, you should show your ability to pay your monthly diligently. This way you don't have to continue using your secured credit card but you can negotiate for an unsecured one if you have proven yourself able to pay. 

Your third options is not to get a new card but to rebuild or repair your credit card situation. If you still have a credit card that has not been closed but you are behind in payments, then what you can do is to determine to catch it back up. Don't give up if you have just missed some payments. Do you best to keep in up to date and in good standing. If you are successful in this task, then you will have proven that you can be eligible to get a new one.

So, if you have a bad credit today, follow the tips above and you are on your way to improving your credit score and avail of the credit cards that you need. ​