Bad credit can come about if you are bad at managing the debts from any credit agreement you entered, and a bad credit score affects the bank accounts, credit cards, and loans you can apply for. However, it is also worth noting that a bad credit score can also come about if you haven’t built up a credit history, or had any debts to pay off.
Can I apply for a credit card?
The first and most important thing to do if you suspect your credit history may not be good enough to make you eligible for a credit card is to check your credit score. This can be done online at Credit Portal. Your credit score is used by everybody and determines your trustworthiness with money. So, it is important that you understand your credit status.
Once you are aware of your credit score the application process for credit cards becomes much easier, as you then know what card options are available to you. If you have a poor credit file then your best option is a bad credit credit card. The best way to make sure that you won’t damage your credit score further is to read through the eligibility criteria and check whether you match up. If you don’t do this your application may be declined which can go against you on your credit file.