The Ultimate Bad Credit Resource. At BadCredit.org, the web’s top finance experts come together to help inform and educate over 8,000,000 users, enabling better credit decisions and a brighter financial future. Bad credit generally describes a record of past failures to keep up with payments on your credit agreements, resulting in the inability to get approved for new credit. It typically means you haven’t paid your credit and other obligations on time, or haven't paid them at all. The right credit card for most people with bad credit is going to be a secured card. Secured credit cards charge the lowest fees and offer the best approval odds. But if you need a small emergency loan, you’ll have to compare unsecured cards for people with bad credit, which tend to be pretty expensive. 2020's Best Credit Cards for Bad Credit Below are the best secured and unsecured credit cards for bad credit scores. These offers can help build or rebuild a low credit score, and many require no deposit to apply. Have bad credit? Here are the top offers designed to help you rebuild your credit and improve your score. Make sure to pay on time and keep a low balance (relative to your credit limit) and this may improve your credit report each month. New to credit cards? Editorial Note: This content is not provided or commissioned by the credit card issuer.Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. A person is considered to have bad credit if they have a history of not paying their bills on time or owe too much money. Bad credit is often reflected as a low credit score, typically under 580 on.