Getting approvals for personal, vehicle, business and mortgage loans, and credit cards will be difficult. Utility companies may demand a higher deposit to establish a service. Apartment owners may deny renting out an apartment or may ask for a higher deposit. Law enforcement agencies investigating crimes may consider a bad credit score as a motive

Before getting a credit card for bad credit, check whether the card is secured or unsecured. Check for the interest rate on the balance and on cash advances. Check what are the annual fees, processing fees, and any other add-on fee. Check for the approved card limit. Determine how the minimum monthly payment is calculated.

Total Visa Unsecured, Credit One Bank Visa, Fingerhut Credit Account by WebBank, AvantCard by WebBank, Milestone Mastercard, and USAA Secured Visa Platinum (only for active and former military personnel and their family) are the best unsecured credit cards for bad credit.