Answer: -There are Visa and Mastercard unsecured and secured cards that cater to people with bad credit or people trying to establish credit. The credit limits start from $250 to $500 and are periodically increased based on how you use it. Once you get a card, remember not to max it out and try to pay your monthly balance on time - always. Your credit score will start to rebound over time. -I've just gone through something similar, my ex left me in serious trouble and now im facing years paying his debts off, the law is just so unfair. I've tried to apply for credit cards but had no luck. you will probably find the people that will accept you will be asking for a higher APR. sorry i cant be any help good luck and best regards. -Bad credit is one of the worst problems to have... however there exists a solution.I will hereby talk from my personal experience.I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first.