Some consumers that have a bad credit rating or have had bad debt in the past will be declined by the credit card companies when applying for a credit card. Whether you want the credit card just for daily spending or not, consumer with a bad credit history will be better applying for bad credit credit cards.
For younger people or consumers that have never had a credit card before, it might be worth while considering applying for a bad debt credit cards because they have no history of managing credit.
Students should apply for a specific student credit card as these cards have a lower and better interest rate than other cards like bad credit.
Bad credit cards will not offer 0% interest deals to consumers so don’t bother trying to look for one.
TIP - Consumers should always try to pay off their credit card balance every month so they don’t incur any penalty interest charges.
Compare cards against each other with our credit card comparison.