If you have ever tried to apply for bad credit loans, you might have been discouraged from the start. Some lenders will not even talk to you if they realize that you have a bad credit score. Having a bad credit score and bad credit rating is something that happens to millions of Americans, Europeans, and Australians each year. While many lenders do not accept customers with bad credit and do not even wish to speak to them, there are those who welcome such clients willing to give them a second chance. With this in mind, I prepared a post focusing on lenders who can offer bad credit loans for people with poor credit. Many genuine credit card companies can offer bad credit credit cards for those who are in need. If you decide to apply for a bad credit credit card, you can choose from two types of cards: secured credit cards and unsecured credit cards. Secured credit cards have better interest rates. The only disadvantage is that you need to deposit a certain amount of money on your bank account in order to obtain one of them.