pre approved credit card offers Unfortunately, if you have no credit or bad credit, you’ll have difficulty getting a credit card. Credit cards for bad credit often include secured credit cards, which require you to post collateral that’s returned to you when you close the account. Secured cards build up your credit score, which cannot be said for prepaid debit cards. The easiest card to qualify for is probably the Orchard Bank Card, which can also help you build credit. With a pre-approved credit card, you can get on your way to healthy credit in no time! Along the way, make sure you keep an eye on your credit score, to prevent problems in the future.