Answer: -What you're asking for isn't going to happen because unfortunately the unsecured credit cards you're looking for are offered for people with good to excellent credit. Orchard Bank offers credit cards for people that are trying to rebuild their credit or just build it altogether. Another option would be by checking where you bank to see if secured credit cards are offered. There's an old saying that you have to "pay the cost to be the boss", and it's no different for credit. -Try the imagine credit card, saluate credit card, tribute card, and sendvisa.com i have the first to and they all specialize in bad credit. they do have interest rates between 14 and 19% -If you erally have nothing and its that bad you should file for chapter 7. or if you want to keep everything and make a plan file for chapter 13 bankrupcy also if its not to bad take out a loan from the bank with a FIXED interest rate. -It's good that you have no open accounts. You will want to write to the credit bureaus to make sure that the information that they have on file is correct, and dispute it if it is not correct. Also, if there were circumstances behind you incurring bad credit, such as a divorce, identity theft, or a long illness that prevented you from working, you will want to document this a place a letter in your files from the three major credit bureaus.It does take time for negative entries to drop your report- can be three years or up to 7-10 years for a bankruptcy.