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The main challenge many people with bad credit face when applying for a credit card is having a limited number of good options.

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Co Branded Credit Cards / Illustration - Shanghai Rural Commercial Bank. Looking for the perfect credit card? Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial. Establishing a positive payment history on a new credit card account is one of the best ways to start improving. Credit cards that offer rewards are a great way to get money back on purchases you already make. Whether you are looking to apply for a new credit card or are just starting out, there are a few things to know beforehand.