Building credit history is very important for anyone who wants to get a mortgage, a car loan or credit cards on good terms. However, your FICO score can fluctuate wildly, so you should be constantly demonstrating lenders that you're a worthy financial risk.

When you have poor credit, it can be a challenge to apply for a card. Most banks and companies specialize in issuing cards for people whose scores are near to perfect. If your FICO is lower than the average, you may have difficulty getting access to credit cards. Furthermore, applicants with poor scores often make one typical mistake - they apply for too many cards without even knowing what type of credit is required for application. Multiple inquiries lower your score rating, and most lenders are wary of applicants who have been rejected multiple times.

However, certain programs are designed especially for those with limited or poor credit, and applying for these cards increases your chances of being approved. Some deals for bad credit history even come with no credit or income check which means than you can be approved regardless of your credit history. But generally these are secured deals that require you to open a deposit account at the bank issuing the card.

If you're short of cash, you may review unsecured deals for bad credit history. These deals involve a credit check but generally companies and banks offering these deals are more lenient with bad-score applicants. So, you have a better chance of obtaining a card with which you can work toward improving your bad payment history. Furthermore, the best cards for those with a bad credit history always feature monthly reporting to major credit bureaus. Cards for bad credit may have other services that can help you can build or rebuild your credit history, such as free account alerts, online account management and others.

Review the applications for bad credit by comparing the offers side by side and select the offer that best fits you. Before submitting your application online, take your time to read carefully the terms and conditions of credit offers! Apply online for cards designed especially for bad credit!