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 If you are aware of your credit rating and know that you have a bad credit score then this can help you make sure you are applying for the right cards. If you make continual applications to cards that require a good credit score and get declined then this will also lower your score even further. If you are unsure of your credit rating then you can contact a credit scoring company to find out the information that they have and check that it is correct. If it is incorrect then you can get it amended, which would improve your score.
If you have a low credit score and cannot change it that way then you need to apply to special credit card companies that provide cards for bad credit score individuals. Applying is the same as with any other credit card and usually starts with a form to complete detailing your information. This then gets sent to confirm your credit score and a card is assigned according to your information.
It usually takes no more than a few weeks to process an application from start to finish and receive your card. You may start off with a lower credit limit on a card that is issued for a low score individual, but this can change over time as long as you maintain your payments regularly and as the credit card conditions stipulate.
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