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In Canada, for example there are a variety of Secured Credit Card options.
The CIBC bank offers a card that is geared towards individuals who need to begin establishing their credit.
These cards however do require proof of sufficient property equity and assets or in the case of the secured cards, a deposit that is equal to the sum of money you are ‘borrowing’ or higher.
The provider can use this amount as collateral in case the borrower defaults on the payments.
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The thing about bad credit is that in many cases, banks and credit card companies will deny you a credit card because they view your application as too risky.
This means that you are not able to demonstrate that you meet the repayment criteria.
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