You should be aware of the effect of credit score on your ability to get a credit card. Your credit history is the basis for the decision by the bank. If you have a negative credit history, it is very unlikely that you will be given a credit card.
A poor credit record indicates that you are a poor risk when it comes to paying back money. And any money you put on a credit card is essentially a loan. If you are given a credit card despite a bad credit history, often you will be charged high interest to make up for the risk of loaning you money.
You also won't have a high spending limit. People with good credit are trusted with more money than are people with bad credit, that's just a fact.
If you do have a bad credit history, it's likely your best bet to get a secured credit card. You also want to ask the insurer about any protective measures or insurance for your card.
You will have a credit card with a certain limit, but the risk to the issuer is limited because it is secured. This means you are required to keep an account with a certain amount of money in it. Generally, you have to have an amount equal to or even more than your credit limit on the secured card. The amount you are required to keep in the account will vary based on the policies of the issuer.
You can also opt to take out a joint credit account, if you have a negative credit history. To do this, you have to have a second person with good credit, usually a family member, who is willing to be on the account with you.
If they do this they are also liable for the balance, and because of this the account poses less of a risk to the lender. They figure if they can't get paid by you they'll have the other person pay. It's important to pay on time and regularly though.
Check the terms and conditions of any card that you are offered. Some cards have a fee. It may be a one-time fee or it may be a yearly fee. Don't be surprised by this; read the literature that comes with your card.
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