In a Nutshell If you have bad credit, it can be difficult to get approved for a line of credit. When you need money, looking at lenders that offer “bad-credit” lines of credit may not be your only financing option — or even the best one. Unsecured credit cards for people with bad credit tend to have low spending limits, after all. And you can’t increase your credit limit simply by paying more, as is the case when you add to a secured card’s deposit. So we recommend getting a secured card unless you absolutely need an emergency loan of $200 or less. Yes, there are credit card options for people with poor credit histories. It’s possible for people with poor credit history to obtain either secured or unsecured credit cards in many cases. These cards normally have higher interest rates and fewer perks than credit cards for people with better credit scores. Lines of Credit for bad credit, find, compare and apply for credit cards, loans, repair your credit, consolidate debt - 131. Most financial institutions offer unsecured personal loans to consumers, even if they have bad credit. Consumers with very poor credit scores may be able to obtain personal loans for more than $50,000. However, these personal loans typically aren't available to individuals in bankruptcy. If you have a 600 credit score, you may be interested in credit cards for poor credit. Compare the many options and start improving your credit now.