People with inadequate credit and those who do not have a credit history struggle to find credit card providers and lenders to their liking or anyway close to their liking. For such people, bad credit credit cards should be a welcome relief. They can come in the form of a secured or unsecured credit card. In the first case, a down payment is required and in the second, a down payment is not needed but the providers will charge a high interest rate from you and penalize you heavily whenever you miss payments or delay your payments. To build your credit, it is advisable to keep low balances initially and stick to timely payment of your balance.