Many people believe having a poor credit score means you can't get a credit card. This is not the case. While it's true that getting a credit card on bad credit is harder, it is far from impossible.  While you're working on getting a credit card, you can also learn more about how to improve your credit score, so your next lending experience is a breeze!


1. Check Your Credit Score

How bad is your credit? You may be surprised. Before applying for any type of credit, it's important to check your credit score to get an accurate picture of where you stand. If you were recently denied credit, you should be eligible to receive a free credit report from whichever credit bureau was contacted in the decision. Often, the rejecting lender will mail you instructions on how to request your free report. Many banks also offer free credit score checks for customers, and several popular consumer sites offer free credit reports once you sign up for a site account. Beware of sites promising free credit reports in exchange for paid credit monitoring subscriptions. You don't have to pay for your credit report, so don't be fooled.

checking credit score

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