Sometimes you may feel hopeless and helpless if you’re one of those with a bad credit history. You might feel like you have no financial options whatsoever. It might help to know that even if you have bad credit, you can still get a credit card. You may pay more, and you might have to deal with more restrictive deals than the average cardholder has to deal with. However, if you can show the ability to pay your bills, you can pave the way to better card deals in your future. If you don’t have bad credit, you might be in the position where you don’t have good credit either. In other words, you might be trying to establish credit. This also makes you a good candidate for a new credit card. If you’re in either of these categories, you will find that your rates, fees, penalties, charges and credit limits will be less appealing in direct relation to how far from perfect your credit record is. Initially, you may need to start with a credit limit as low as $500. Also know that credit companies will take a look at more than just your payment history. They’ll also look at your record of paying on time (or not), they’ll want to know if you have a steady job and a long-term residence at the same address. So just because your history might not be spotless, don't be discouraged. You can still get credit, prove your abilities, and move on to bigger and better things. | 
