There is a time for everything

Generally speaking, I have been against doing anything to promote credit cards for bad credit, because of the rates and I won't write to promote things that harm people. However, as a lender now in a peer to peer lending marketplace, I can see that there is a need for people to start out somewhere when they are trying to restablish their credit, and I also see that there are worse things than 29% APR rates (predatory loans with far worse rates). Sometimes people can be in jams with their health, as is the topic of this blog - and sometimes credit is a very necessary thing. Whether or not you are responsible when you get a lender who takes a chance on you for a bad credit card is up to you. But you have the chance, with the choice of offers, to re-establish your credit.