# Bad credit credit cards, loans
Most people believe that a poor credit score can automatically disqualify you from getting competitive rates for your credit cards or loans. However, often a poor credit score may be due to factors beyond your control. Realizing this, many companies offer bad credit credit cards to customers who wish to use credit cards for making purchases online and offline.
A user can apply for any of the credit cards for bad credit online and get a response within a minute. They report to the major credit bureaus and many offer a low APR. If you have bad credit, you can also get a prepaid card or a debit card, which can also be used at ATMs worldwide.
In the current economic condition, many lenders have relaxed their stringent screening criteria and are willing to consider the circumstances which resulted in a low credit score. Bad credit loans are available for homes, vehicle purchases as well as personal expenses, so it is advisable to evaluate all options before taking a decision.