It's not impossible to get a credit card if you have a bad credit history. You just need to follow some tricks and you can even rebuild your credit score!
Most of the people think that those who have a bad credit history cannot have access to a credit card. Nevertheless, there are a two methods that might help you not only to get a credit card but also to rebuild your credit score.
1. Getting a secured credit card
The first option you can try if you have a bad credit score is opening a secured credit card.
It is quite easy, you just need to have your cash ready!
This kind of cards require a deposit to grant you a credit line. Some banks may even offer you a limit higher than the amount you initially deposit. You just need to make some research about the options you have.
While searching for the best bank you should also look for the interest rates, fees and conditions they offer.
You can also check if the bank offers to report your payments to the credit reporting agencies. Choose one that grants this possibility. It will allow you to rebuild your credit score!
2. Sign on as an authorized user
If your score is bad, you can turn to a trusted friend or someone in your family who has a better score than you and can help you get a credit card. They can add you to their account as an authorized user!
This would give you access to a credit account despite the bad credit score.
If you apply this method you will have to make sure you always pay your bills on time. Otherwise, it will impact in your friend or family member's good credit.
You should also ask the bank beforehand if the payments as an authorized user will affect your credit report. If this does not help you to rebuild your score, then you may want to ask another lender.
Lastly, learn how you can remove yourself from the account once you can improve your score and access to your own credit card.