A common misconception of a lot of people is that the best credit cards in the world are unavailable to the average joe. By “best”, we don’t necessarily mean credit cards with almost bottomless credit limits; the best credit cards are ones that provide reasonable interest rates while allowing for adequate expenditures, are accepted almost anywhere in the world in a wide variety of establishments, and provide added perks and benefits for their users.
A lot of people think that if they’ve experienced bad credit histories or similar problems in their past, it automatically means they can no longer take advantage of the “better” credit cards out there, or may not even be accepted for ANY type of credit or debit card at all. This is actually a myth used in a rather heavy handed fashion by some collection companies in an effort to force payments out of people.
In reality, you can still apply for a credit card even if you have had some issues in your credit history. The first thing you should consider is if your credit history got to either of two points: The first is if a bad debt in your past has reached the point of being sent to a...
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