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But they want your business, as you may turn out to be a great customer. So review your options and apply for a credit card for no credit that works for you -- traditional credit cards, , or . You can also try having a co-signer on a credit card account --- it's a great way to get started building credit, but this poses a risk because that person will also be responsible for any unpaid debt. [link widoczny dla zalogowanych] If youâre having trouble getting a loan with bad credit, you may need to put up collateral. By pledging something of value, your lender knows youâre serious and has a better chance of collecting some money. If you have equity in your home, you can probably borrow against it - but there are significant risks. If you have an outstanding payday loan, make payment arrangements before applying for a new cash advance . Make sure you understand your repayment schedule, and do not take a payday loan if you are unsure about paying it back. If you do not make agreed-upon payments, you will be responsible for additional fees. Do not apply for a payday loan to rebuild your credit. These short-term financial tools are not designed to restore ailing credit histories.

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