Credit cards galore.

Credit cards might be responsible for getting you into your bad credit situation.  In my opinion they are a necessary evil.  So here's how to get a credit card even if you have bad credit.  First try your personal bank or credit union.  They already have your checking, savings, auto loan, and mortgage accounts, so they could be more willing to give you a credit card.  Also check with department stores like sears, dillards, etc. Make small purchases and pay them off completely when your bill comes.  Furniture stores will give credit to just about anyone, but be 100% sure you pay off your card before any promotional offers expire.  They make their money on people who carry even a one dollar balance after the promotional offer expires; they hit you with a late fee, and a huge interest penalty.  Lastly if you have no other options, have a friend or family member co-sign for you.  Even with bad credit you can get a credit card.