Answer: -You're going to have a really hard time finding a credit card with 'no fees' if you have bad credit. Unfortunately, the credit card companies need some type of guarantee since you pose such a high credit risk. You can find a complete list of credit cards for people with bad credit here:http://www.asapcreditcard.com/poor-credi...Although these cards tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll give you the opportunity to build and improve your credit score over time. Eventually, with regular on-time payments-- you'll be able to qualify for better offers with lower APR's and less fees. But for now... these are your options. -That's a hard one. Usually depending on your credit score, and what's on the report, you either have to accept paying monthly/annual fees or look into a secured credit card. secured means the amount you put down, is the credit limit. If you don't need a credit card, don't get it. Only get one if your trying to build credit. If that's the case, and you need one with fees, try to find one that's a one time annual fee, or a low fee. Secured is sometimes a good way to go because the APR may be low. Either way, start off small/low and work your way up with a second chance creditor. Establish yourself now..orchardbank.com is one place, also try credit unions as opposedto banks. -Major credit card issuers like Discover, American Express and Chase offer a credit card for bad credit holders. A 'shopping' card offers you an unsecured line of credit from specific sellers. Use these cards to increase your credit rating, since the credit bureaus will be informed about your timely payments. Take care to ensure your credit is good by making intelligent credit choices. Keep low balances, do not be extravagant and take care to pay off your balances promptly every month.