It is tough getting a credit card when you have a bad credit history. If you have bad credit and in need of a credit card, then it might be a better idea to get a secured credit card against a Fixed Deposit. Secured credit cards are generally easier to get and can help raise your credit score, provided, of course, you make payments consistently without missing any. It is advisable to first raise your credit score and clear any debts before applying for a credit card to avoid rejection and also to help you get your finances in order.