STEP 1. Apply for credit cards at smaller retail stores. Sometimes these companies are more willing to give you a chance. If your application is accepted, make a small purchase and pay at least the minimum payment every month and on time. (If you pay more than the minimum payment, you won't pay as much in interest charges.)

STEP 2. Go to your bank, savings institution or credit union. If they already have your business, they may be more willing to give you a credit card.

STEP 3. Apply for a secured credit card if all else fails. You will be required to open and maintain a savings account as security for your line of credit. Your credit line will be a percentage of your deposit.

STEP 4. Ask a friend or family member to co-sign for a credit card. Remember that their credit counts as well, so choose someone with good credit. If you can't pay back the loan, they must, and it will appear as a blemish on their credit rating.

• While you are trying to get a credit card, keep paying all your other bills on time.
• Once you get a credit card, you'll start getting offers for other cards in the mail. Be wise: You should have no more than three credit cards - one or two with a small credit limit and one with a larger limit for emergencies.
• Don't get a credit card from a single store or chain of stores. Use Visa, MasterCard, Discover or American Express, as these are widely accepted.
• Do not get a credit card that has an annual fee. There are lots of credit cards available that don't charge annual fees.
• If you are denied credit, by law the issuing company has to tell you why. Request a copy of your credit report to see what is in it.
• Don't overspend. Use your credit cards to your advantage. Only buy something that you can pay for in cash. This will keep you from buying more than you can afford.
• Many credit cards carry interest rates of 18 to 21 percent. If you cannot pay off your balance every month, you are spending more than you can afford and need to stop using your credit card until you can pay off the balance.
• Credit card interest is not tax deductible.

• Bad Credit Cards
  List of credit cards for people with bad credit.
• Bad Credit Personal Loans
  List of lenders that gives personal loans to people with bad credit
• Bad Credit Loans
  
• Bad Credit Car Loans
  
• Secured Credit Cards
  
• Student Credit Cards
  
• Credit Cards For Bad Credit
  

Credit cards are convenient means of payments to use. While many bad credit cases was a result of improper credit card use, credit card holders can avoid being in a bad credit situation by using their credit cards the proper way. Below are some tips on how you can use your credit cards correctly without getting caught in bad credit.

Don’t use your credit card on purchases that you can pay in cash. If you do, you may end up buying a lot of things that are really unplanned and out of your budget. As much as possible, pay your daily expenses using your allotted cash for that day.

Pay back your credit card balance in full each payment due. Most credit card holders pay only the minimum on their bills. Make it a point to charge only the amount you can pay back in full. This is an important step in avoiding credit.

Always pay on time. The importance of paying credit card bills on time cannot be emphasized enough. Don’t forget that with a single delay or miss in your payment, you immediately incur the interest rate on your debts. The habit of missing your due date of payments can easily put any credit card holder in a bad credit situation.

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