Credit cards are not only the way many people ruin their credit rating, but are also the way many of them go about repairing it. By changing their financial behaviour and using a credit card wisely and responsibly, a borrower can rebuild a good record of repaying debt and demonstrate a responsible attitude.
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Credit cards are often seen as an easy way to ruin a credit score, but they are also one of the best ways to rebuild a credit score. However, this should be done with some care.
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Poor credit scores can make it hard to get credit cards.  However it is not impossible to get a credit card with a poor credit score or to improve a credit score.
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It used to be the case that people without good credit had a good choice of cards as lenders had a large amount of money that they wanted to lend.  Since the credit crunch this has become less frequent as card providers are trying to reduce the risk of lending to people who may not pay.

If a person has a poor credit record or no credit record then they will find that many credit card offers are now no longer open to them.  This group is growing as people are becoming redundant, businesses are struggling and overtime is being cut.  More credit repayments are being missed and the credit card providers are being more careful about who they offer credit to.
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