If you have a history of not paying your credit card debt on time, your credit rating takes a hit and it becomes difficult to get another credit card. However, there are banks which offer credit cards for bad credit.
Whereas normal credit cards offer a number of benefits to people to acknowledge their good credit rating, bad credit credit cards do not offer those benefits such as 0% APR for some introductory period, balance transfers and cash advances. In fact, banks will charge you more APR and more annual fees for having a bad credit card history.
The cards mentioned above are bad credit unsecured credit cards. However, many times banks do not offer credit cards for bad credit people. In such cases, you can apply for a secured credit card. In this, you need to deposit a security amount in your account in order to get a credit card. In most cases, the banks will offer you a credit limit of 50% more than your security deposit.
As you demonstrate your ability to pay on time, the bank may return your deposit and increase your credit score. But if you default on your payments, the bank will use the amount from your deposit.
In some cases, banks will not even offer bad credit cards but instead offer prepaid cards which you can use only after depositing money in your account. For a prepaid card, there is usually no credit check done.
Having a bad credit card is not a cause for worry since it is an opportunity to build up your credit rating by promptly paying your dues every month. If you are shopping for a credit card for bad credit, you can compare the best bad credit card offers.