If a borrower has failed to comply with the T&C's of current and past credit agreements, there is a high probability that an adverse credit rating will present a problem. It is still possible to get a bad credit unsecured credit card for both UK and American customers. This article provides an assessment of several of the leading credit cards for poor credit.
Remember that the rate of APR is not the only factor to consider. Many card providers choose to offer an attractive headline rate to attract new customers, but then proceed to charge a number of additional fees that serve to push-up the cost of borrowing.
Centennial Gold MasterCard (American customers only)
Credit cards for poor credit don't normally offer particularly favorable terms, but one of the main selling points of the Centennial Gold MasterCard is a rate of just 9.9% APR. Those accepted will enjoy a credit limit of at least $250; this will be reviewed after just 6 months.