If you are a consumer that is suffering from a poor credit history you are likely to be aware of how hard it is to get an unsecured credit card. A good majority of consumers are enjoying the conveniences of being able to shop with a credit card carrying and unsecured credit limit. While it is extremely nice to be able to apply for and actually qualify for a credit card you do not have to put money down to get you will quickly see that an unsecured credit card is usually the type of credit card that someone with bad credit is not very likely to obtain.
Since an unsecured credit card isn't very likely if you are having issues with your credit the best plan of action is to look into a secured credit card for the time being. There are many different types of secured credit cards out on the market for people with bad credit all with different options so be sure to shop around so do some comparison shopping so you locate the card that is going to best meet your needs.
Now while there is no rule set in stone about the exact time that you would be able to apply for and actually qualify for a credit card with an unsecured limit there are some factors that will determine what types of cards that you will qualify for. For instance your debit to credit ratio plays a big factor in whether or not you could get an unsecured credit card.
So while it is not unheard of for someone with a bad credit history to obtain an unsecured credit card the route that is easiest for most consumers is to obtain a secured credit card build up their credit and then apply for the unsecured credit card if they so choose.
The best way to look at getting a credit card when you have very bad credit is to see the credit card as a stepping stone to bigger and better things. So something happened that made your financial standing not so swell. Apply for the credit card made for people with bad credit, learn new more appropriate ways of handling your money and work your way up to being in a position to apply for that unsecured credit card. With your new mindset and money skills you will have no trouble handing it.
The author is owner/operator of several finance related websites including sites specializing in bad credit credit. Visit their website for a wide selection of credit cards. www.badcreditcreditcards.biz