Oh yes, this is one more posting about credit cards but I hope you'll find some useful advice in it.
People screw up their credit cards, don't pay off their loans and phone bills, etc, etc. I don't want to discuss why this happens but when it does it becomes quite difficult to get approved for another credit card. There are several options:
- apply for an instant approval credit card. However, your application will still be reviewed and you can not be 100% that you will be approved for the offer.
- apply for a secured credit card. You will have to open a bank deposit. Your credit limit will not exceed the amount of money on the deposit account.
- ask a family member or a friend to be your co-signer. The co-signer will not use your credit card but will be held responsible if you are not able to pay off your debt.
All of them will help you rebuild your credit history. Just choose the option that will work for you.