If you have bad credit and are looking for a credit card, it pays to do some careful research first to make sure that you really get what you want. Credit cards for people with poor credit are often more expensive, because issuers charge higher fees to protect themselves against the increased risk of default.

When you want to apply for a credit card, your credit rating is all-important.

If you are looking for a credit card to faster rebuild your credit, a catalog credit card can serve you well, provided you use it wisely.

Catalog credit cards, or merchandise credit cards as they are also called, are unique in the universe of credit cards.

Here are some questions to ask when comparing prepaid credit cards.