To open a credit account with bad credit is difficult, but not impossible. You only need to follow a few easy steps. The best thing to do is to get a secured card. For this, you have to give the company about $200 to $250, and then it would issue you a credit card with that credit limit, and sometimes even up to twice as much. You would also be required to open and maintain a savings account as a security to open a credit account with bad credit.
You should try to open a credit account with bad credit from smaller retail stores, because sometimes these companies are very willing to give you a chance. If your application to open a credit account with bad credit with bad credit is accepted, then you should make a very small purchase, and you must make sure that you pay at least the minimum payment every month, and that too on time. Moreover, if you actually pay more than the minimum payment, then the interest rate that you would have to pay on the buy card with bad credit would also decrease.
If you are not able to open a credit account with bad credit from the small retail stores, then you can go to your bank, savings institution, or credit union. Moreover, when you are trying to open a credit account with bad credit, then you must keep paying all your bills on time. Also, do not get a credit card that requires an annual fee.
Another thing that you can do to open a credit account with bad credit is to ask a friend or a relative with a good credit rating to co-sign for your card, because their credit rating is also important. If you fail to pay back the loan, then your friend or relative has to pay it.