If your credit is not quite up to par, you need to apply for secured credit cards. They are a great way to help you establish or re-establish a positive credit rating and they're not all that bad.

At Future Card you can apply for secured or unsecured credit cards and you get a choice between MasterCard or Visa. Answer a few simple questions that will help direct you to the proper application and you could be on your way to obtaining secured credit cards in your name.

Another company that offers secured credit cards is Bank of America. They offer everything from Platinum Visa credit cards with low interest rates to secured credit cards for those who are trying to build their credit ratings. Just make sure that you make timely payments on your secured credit cards and you may be able to improve your credit rating. That way you will be able to apply for unsecured credit cards with all the bells and whistles at a later time.