It is best to use a bad credit credit card simply to build a credit score and pay the full balance off monthly. This is because they tend to have much higher interest rates than standard cards and additional interest could, over time, greatly increase the amount you owe.

Providers of bad credit credit cards charge higher interest rates as a form of insurance against people who fail to make repayments. By using the card, making payments on time and staying within your allocated credit limit, over time your credit score should improve.

After demonstrating financial responsibility over a period of time, not just with your credit card but with your other financial commitments too, you should become eligible for standard credit cards which offer more generous credit limits at lower interest rates.

Compare Credit Cards which are suited to people with low/bad credit scores.