Individuals with a bad credit history usually face a lot of trouble when applying for new credit cards. Banks are, understandably, hesitant to lease out new credit cards to clients who approach them with less than satisfactory credit history.

If you have suffered from this stigma and have managed to overcome your poor financial situation and made it a thing of the past but are yet unable to shake off the black mark that comes with being labeled a poor client, we suggest passing by the standard credit cards and applying for the bad credit credit cards that are specifically designed for customers with your situation.

Companies have begun to take out special cards that are aimed at clients with an unsatisfactory bank history- aimed at protecting the bank’s interests and giving clients a chance to improve their credit score. In this article we discuss some such special credit cards that are currently available in the market and their individual features.

1.Public Savings Secured Visa® Credit Card: The Public Savings Secured Visa Credit Card is a handy tool as it can be used by clients at almost any place where Visa cards are accepted- thus allowing you to have an easy access to practically any store, establishment and institution. The minimum deposit that is required to open up an account is only $200 and the account is registered with all major credit authorities which keep a track on your activity. This way, if you prove yourself to be a good client, you are given a chance to redeem your credit repute quickly.

The credit card is easy to apply for because it does not need the claimant to be gainfully employed and nor does it need any base credit. The credit card comes with an incentive of having no interest levied on any activity in the first 6 months. After this period is over the client has to pay an easily affordable interest rate. In case you default on the payment deadline you are given a time period of 25 days to cover the payment. One has to pay $79 right at the beginning while setting up the account but after this the bank does not charge any maintenance or rental fee.

2.Orchard Bank Classic MasterCard: these credit cards come in a variety of categories all aimed at different levels of defaulters and those with bad credit history. Depending on the kind of experience you have had in the past you can choose a credit card to match your needs. These cards are accepted almost everywhere across the globe and even offer clients the ability to make transactions online- a service that is generally denied to those with a bad credit repute. The company sends text messages and emails to clients in advance to inform them about upcoming payments and also to keep them abreast with the current status of their account activity. With annual fees that range between $39 and $79, no base credit required for starting up, a straightforward application process and a month’s grace period to meet payments, these credit cards are aimed at empowering the customer.