The reason, you’re out here, reading this post is that you’re probably looking for a credit card, but don’t wish to pay a deposit, as is often the requirement. It can be quite difficult to find credit cards for bad credit without putting down money upfront, as collateral. But if you know where to looks, and what options to explore, the market is laced with offers that might just be what you’re looking for.

On this website, our prime initiative is exploring such offers, reviewing them and then further explaining them to you.

The market traditionally offers two different types of cards for people with a bad credit history and it’s important for you to know the difference between either of them in order to avoid paying anything upfront.  If you have a not so good credit history, you’re generally given only two options – one, you get a prepaid credit card (also called a secured credit card) or two; you get a bad credit card.

Most people with a bad credit history just find out about prepaid credit cards and stop looking further. Since the general consensus is that prepaid credit cards are the only option left for them. But the fact is that, prepaid credit cards are not actual Credit cards. This is because they don’t offer you any actual “credit”. You’re required to fund these credit cards in advance and only then you’re able to use them. These cards are hence also called “secure credit cards” because of the upfront deposit you pay to “secure” the risks.

If you research in a more in-depth manner, you can see that there are cards that will fund the deposit directly from the credit line that approves you.

These cards are the credit cards for bad credit people, since they don’t require you to shell out anything from your own pockets.

Over the course of the next few articles, we will help you get a thorough understanding of how these cards work and even link you to certain offers, while we’re at it.