Answer: -Type in HSBC.com and apply. They will work with you to help improve your credit, assuming you are not paying off a fine for a bank heist or similar. -They practically hand the damn things out! I can't believe you have to even look. But beware, there is a reason that they are so easy to come by. For most people, you're just asking for trouble. If you're already in bad shape credit-wise, this my be a good indication that you need to find alternate methods of funds and get back on your feet first. Credit cards are trouble, no matter what anyone says. How many great stories have you ever heard about them?? They give you the "priviledge" to borrow someone elses money for a steep interest rate and charge all sorts of wonderful fees while they're at it. Here's an idea....try to afford what you buy so that a huge percentage of your income doesn't go towards interest payments on cards that have essentially done NOTHING for you!! -You don't, nor should you be able to. You've proven yourself to be a bad borrower. Go with the secured, build a decent credit history, then try for an unsecured. -you may want to try hsbc or chase, i use to work for those banks , you should be able to get one if you have atleast credit score over 500.