What if you have deplorable credit, or no credit rating at all. You may have already been turned down by a half-dozen card companies. First, you should think long and hard about why you want a credit card in the first place. If you have a history of bad credit, a credit card may be the last thing you need. Many people feel that credit cards and the debt they lead people into is a modern form of slavery.
Credit cards are almost magically deceptive and alluring.
On the other hand, not having a credit card is becoming less and less practical in modern America. You can't rent a car without a credit card. Carrying cash is dangerous. If you decide you really need and want a credit card despite your past problems with credit, you should get what is called a secured credit card. Even people who have declared bankruptcy are granted secured cards.