Navigating Credit Card Options with a Low Credit Score: A Simple Guide

Published on 03/27/2024

Credit cards are a big part of how we handle money today. They let us buy things and keep track of our spending. But, if your credit score isn’t great, it can be hard to get a credit card.


This article talks about what to do if you have a low credit score and still want a credit card.

What Does Bad Credit Mean?

Bad credit means your credit score is low, usually below 600. This can make it tough to get loans or credit, and you might have to pay more in interest.

Things that can lower your credit score include missing payments, carrying a lot of debt, having accounts in collections, and going through bankruptcy or foreclosure.

Credit Cards for People with Bad Credit

Even with bad credit, there are still ways to get a credit card:


  • Secured Credit Cards: For these, you pay a deposit that matches your credit limit. This deposit helps you get approved, and if you use the card right, you can improve your credit score.
  • Subprime Credit Cards: These are for people with low credit scores and come with higher costs and less rewards than regular cards.
  • Retail Credit Cards: These are easier to get but have high interest rates, few rewards, and can only be used at specific stores.

Improving Your Credit Score

Related SearchIf you’ve got bad credit, there are things you can do to make it better:

  • Always pay on time.
  • Pay down your debt.
  • Check your credit report for mistakes and fix them.


Using a credit card wisely can also help improve your score. This means paying on time, keeping your balance low, and not opening too many accounts at once.


Getting a credit card with bad credit is tough, but not impossible. Secured cards, subprime cards, and retail cards can all be options. It’s also important to work on improving your credit score by paying on time and keeping your debt low. With the right approach, you can get a credit card and start building a better financial future.