So you have bad credit. This is a difficult position to be in and is MUCH worse if you don’t already have lines of credit. If you have credit card accounts that are already open, you can simply make your payments on time and your credit will get back on track. If you don’t, you will first have to get some credit lines and then use them effectively.

The conundrum is that it’s pretty difficult to get credit when you have a poor credit history. This lesson will help you to learn how to get credit cards and even unsecured credit cards, with a bad history of credit.

Getting unsecured credit cards for people with bad credit isn’t a ten minute process, in fact it usually takes a few months. Back in the day I had weak credit history and I couldn’t get anyone to give me a card. I didn’t know what to do but after a lot of research I discovered that the first step in getting unsecured credit cards is opening an account with a secured card.

This discovery was huge for me and though it cost me around $250 to get a secured credit card, it was one of the smartest financial decisions I’ve made. It was the primary factor that made it so I could later get an unsecured credit card with bad credit. The rules of the game change when you already have open accounts. Banks seem to think you’re a healthier risk if they aren’t the only lender providing you with credit.

It took a few short months between when I got my secured card and when I was able to get approved for an unsecured one. This was obviously a huge step for me and was one of the main reasons I was able to improve my credit score from under 500 to over 700.

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