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    GO LOCAL

    Your local bank or credit union--the one you already have an account

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    Even folks with less-than-perfect credit can get a credit card, although it's not quite as easy. In fact, you may have to do a little more digging to find a company that's willing to approve you for a line of credit. Fortunately, there are some ways to make the process simpler, such as:

    CHECK YOUR JUNK MAIL

    These days, credit card companies run a credit check before they start sending you "pre-approved" applications in the mail. So if you're receiving offers from a credit card company, it's likely you'll get approved when you apply. Don't just toss out that junk mail. Instead, take the time to carefully review it.

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    Your local bank or credit union--the one you already have an account

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    to find a company that's willing to approve you for a line of credit. Fortunately, there are some ways to make the process simpler, such as:

    CHECK YOUR JUNK MAIL

    These days, credit card companies run a credit check before they start sending you "pre-approved" applications in the mail. So if you're receiving offers from a credit card company, it's likely you'll get approved when you apply. Don't just toss out that junk mail. Instead, take the time to carefully review it.

    GO LOCAL

    Your local bank or credit union--the one you already have an account

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    b>CHECK YOUR JUNK MAIL

    These days, credit card companies run a credit check before they start sending you "pre-approved" applications in the mail. So if you're receiving offers from a credit card company, it's likely you'll get approved when you apply. Don't just toss out that junk mail. Instead, take the time to carefully review it.

    GO LOCAL

    Your local bank or credit union--the one you already have an account

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    he mail. So if you're receiving offers from a credit card company, it's likely you'll get approved when you apply. Don't just toss out that junk mail. Instead, take the time to carefully review it.

    GO LOCAL

    Your local bank or credit union--the one you already have an account

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    GO LOCAL

    Your local bank or credit union--the one you already have an account with--may be more willing to give you a credit card if you have a good history with them. If you don't usually bounce checks or overdraw your account, your bank might issue you a credit card with reasonable terms. Credit unions are often your best bet, since they're "customer owned" and typically have lower rates and less stringent policies.

    STICK WITH A MINOR CARD

    To make your credit history stronger, start with a store or gas card. Retail cards--such as those offered by department stores--typically have more lenient approval terms, so even folks with bad credit c

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