If you need a credit card but have a poor credit history, don’t despair — bad credit credit cards are available that can meet most needs and this is not common knowledge. No doubt you have had people tell you that if you have bad credit, no lender will touch you but this is not the case for most people. As long as you have the income to repay the debt, lenders will usually be prepared to loan to you.

It may sound like the stupidest financial move ever: getting credit cards after bankruptcy. But done right, it may be one of the smartest moves you can make for your credit. The main purpose for getting new credit cards after bankruptcy is to help boost your credit scores, which most likely took a hit when you filed.

Building and maintaining an excellent credit score helps consumers save money when they need to obtain a loan. The higher your credit score, the more lenders are willing to give you a lower interest rate, which means consumers can save additional money down the road.

If you’re thinking you can settle your student loan debt for 40% to 60% less than what you currently owe, think again. Student loans are nearly impossible to discharge in bankruptcy and therefore just as difficult to settle. If you’ve defaulted on your student loans, your best option is to figure out how to get caught up. Otherwise, you could be sued for the debt.

Apply for Visa credit card with the NetSpend prepaid visa card and get paid up to 2 days faster with direct deposit — payroll and government benefits and 100% Approval. No credit check needed (ID verification required). NetSpend also offers prepaid MasterCard credit cards for those who prefer using the MasterCard brand.