Whether you’re dealing with a bad credit score or you’re just in the early stages of rebuilding your credit, credit cards for bad credit can be an invaluable tool. Not only can you use a credit card to pay for your essential expenses, you can also use a card as a lifeline in the event of an emergency. But before you apply for a credit card, be sure you understand what to look for.

What credit cards does everyone get approved for?

Often, application for credit cards for bad credit | thimbl. offer a lot of hidden fees, so be sure you’re aware of any fees that may be attached to the card you’re considering. Also, make sure you know what to do if you don’t get approved. You can ask for reconsideration, but it doesn’t guarantee approval.

Also, be sure to use your card wisely. Paying your bills on time is a major factor in maintaining a healthy credit score. If you can’t afford the monthly payments, find a card with a low fee or pay in full by the due date to avoid interest charges.

Another option for those with bad credit is to apply for a secured card. Secured cards are easy to obtain and have high approval odds. In addition to providing security, they often have a low annual fee, making them a good option for people in need of an emergency loan.

Credit One Bank offers a series of cards for people with bad credit. Their offerings include a Platinum Visa for Rebuilding Credit and a Cash Rewards Visa Card. While their website isn’t clear about how much you’ll have to pay each year, it’s possible the annual fee could be as low as $0 or as high as $75.