There are several ways to obtain credit cards to show you are now a good credit risk or want to reestablish good credit ratings.

There are two main types of Credit Cards- Secured and Unsecured.

"Unsecured credit cards" are the ones that most of us are familiar with. They do not require any collateral. Advertising of credit cards that say "unsecured cards" are usually directed to those of us with less than perfect credit. Because banks need to cover some of the risk associated with offering cards to people with imperfect credit, there may be an annual fee or a higher interest rate than normal credit cards. A normal credit card is usually not advertised as non secured, and you must have a good credit rating to obtain them.

"Secured credit cards" must have some type of collateral. You have to have money in the bank to cover them. Be wary, "some" secured cards are scams. If you have bad credit, there are usually companies who will give you unsecured credit cards. Avoid a secured card if at all possible. Some people with very poor credit start out with a secured card and pay it off each month to reestablish credit.