How to Get a Credit Card With Bad Credit?

The best way is to get a prepaid credit card. You can get it at your local bank or apply for one online at one of the many websites offering this service. A prepaid card has several advantages such as: no credit check, no employment required, and a quick application process. The card looks and works like a regular Visa or MasterCard, except that you preload it with money. Then as you use the card, the funds are taken off the card which stops working when there is no money left on it. You can’t overspend, and you get the convenience of having a credit card.

A similar solution is to get a secured credit card which you must secure with a bank account. You keep money in the bank, and they let you use the secured card to charge against the bank balance. You could also ask a family member to co-sign for your credit card. Then if you don’t pay, the co-signer is on the hook.

Finally, there are some credit card clearinghouses with online applications for people with bad credit. You can apply online and get a speedy response. These companies include –,, and

If you get one of the above options and use it responsibly for a year, the card may be upgraded to a regular card. Also, some of the card issuers report regularly to the credit bureaus to help you build a better credit rating.