Bad credit is crippling when you seek any loan, especially a home equity line of credit (HELOC). Lenders want high creditworthiness for these loans because they have fluctuating interest rates and. In 2019, a winery in Moldova hosted a 10-km race in the world's largest wine cellar, which holds 2 million bottles. more. In the short term, when bad credit prevents consumers from being able to borrow cash to pay for unexpected emergencies or bills, a payday loan may be an option. Payday lenders. Credit cards for bad credit help people with credit scores from 300 to 639 rebuild their credit. The best credit cards for bad credit have annual fees as low as $0, You may have needed a cosigner or co-borrower to get approved, but things change, and you may no longer need or want their name on the loan. On the other hand, if you’re looking to get a bad credit. Obtaining a line of credit with a low credit score is difficult, but not impossible. Interest rates tend to be higher and the line of credit may be capped at a lower level than someone with a more pristine credit history. Best Credit Cards for Bad Credit of March 2019. – Credit Cards for Bad Credit. Have bad credit? Here are the top offers designed to help you rebuild your credit and improve your score.