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Many of us have been faced with situations that have resulted in a less than perfect credit rating. It's a simple fact of life and can happen to anyone. Unfortunately, your credit rating can be damaged relatively quickly, yet it takes a good bit if time for those effects to be reversed.

Many banks offer secured credit cards as an option for people with bad credit. This could be a great alternative to a traditional credit card account and could help you establish a responsible pattern of paying back your debts to show the credit card companies that you're back no your feet.

In addition to secured credit cards, some banks are willing to take more of a risk and offer unsecured credit cards, even to people with bad credit. These cards are just like your normal credit card, with credit lines that aren't based on you maintaining a savings account as in the case of a secured card.

Of course, before you apply for any type of card, you want to be sure you understand the total fees, interest charges and other details of the credit card offers the bank has available. Since the banks feel they're taking more of a risk in working with someone with bad credit, there may be higher fees or higher interest rates involved.