1. Apply for bad credit credit cards
   Bad credit cards are cards which are designed especially for those people who have less than prime credit histories. Credit card companies today realize that many people with bad credit histories still need credit cards. They are willing to offer these cards as a way to entice these customers. Credit cards for bad credit customers may have higher fees and interest rates than other cards. They may also have very low limits. However, if you repay your debts at the end of each month, they will help you build good credit again.

2. Get a secured credit card
   A secured credit card uses some of your assets as collateral. This type of card also charges extra fees and has a low credit limit. However, this type of credit card can help you rebuild your credit rating. When deciding on this type of card, though, it is important to remember that the card company or bank can seize your collateral if you do not repay your card debt.

3. Get a prepaid credit card
   This type of card works more like debit than a credit card. You place money into an account and you can use your card up to the amount of money you have deposited. Unlike debit cards, however, the card can be used where major credit cards are accepted. It can also be used with online and phone purchases, in many cases. This card is safest if you have spending problems, since you cannot spend more than you have prepaid.

Tips For Those With Lowered Credit Scores

1. Check your credit rating before applying
   Before trying to get a credit card, always check your credit rating. If you find mistakes on your credit report, be sure to report them to the credit bureau and wait until your file is updated before applying for a credit card. There is no need for you to pay for a clerical error with a credit application rejection.

2. Avoid applying for lots of credit at once
   If you apply for several loans at once, or if you apply for several credit cards at once, the many checks on your credit score may temporarily lower your credit score. Plus, if you are rejected for a loan or two, this can push your rating down further.

3. Compare card companies
   Try to compare several offers and find the company that is willing to offer you a good interest rate and credit card even with your credit rating.

4. Be vigilant about paying bills
   Paying your bills each month is one of the best ways to show that you are responsible with money. Simply waiting and being financially responsible can bolster your credit score enough to qualify you for good credit card deals.

5. Explain the situation
   Many customers see credit card companies as heartless organizations, but all card companies want more customers to improve their profits. By explaining your situation or telling a card company about a competing offer you got from another major card company, you may find that you are offered a better deal, even if you have a few dings on your credit report.

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