Rebuilding your credit score is important and if you ever plan on applying for a car loan or credit card, you’ll need to prove you are responsible when it comes to paying off your debt. That’s where your credit score comes in — the higher your credit score, the more opportunities you’ll have to get a loan at a low rate.

If you need a credit card but have a poor credit history, don’t despair — bad credit credit cards are available that can meet most needs and this is not common knowledge. No doubt you have had people tell you that if you have bad credit, no lender will touch you but this is not the case for most people. As long as you have the income to repay the debt, lenders will usually be prepared to loan to you.

So, you want to rebuild your credit score but you have horrible credit right now — one choice is getting approved for Capital One Rebuilder credit card which usually starts cardholders with a $300 dollar credit limit.