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But don’t apply for every credit card under the sun – doing so will further lower your credit score.
If you’re in bankruptcy, consumer proposal, or on a debt repayment plan, an unsecured card designated specifically for those with bad credit might be the only realistic unsecured card option you have.
If you have bad credit history, one of the fastest and most effective ways to change that is by using a credit card responsibly.
If you make sure to pay the balance on time every month and keep your credit utilization below 30%, you can restore your credit score faster than you might think.
Secured credit cards operate just like a regular credit card, but you need to provide a deposit to match the size of your credit limit.The credit card company holds your deposit in a savings account and will use it to cover the balance if you default on a monthly payment.