How can i find a credit card for people who have bad credit

Not Financial Advice: Having bad credit or a low credit score doesn't mean you can't get a credit card.

Cards that charge relatively low fees or no fees:

• Orchard Bank (part of megabank HSBC) offers three unsecured credit cards plus a secured card for consumers needing to rebuild their credit. The unsecured card's annual fees range from $39 to $59 and the APRs range from 14.9% to 19.9%.

• The Capital One Secured MasterCard has an annual fee of $29. Deposit as little as $49 and get a credit line of $200. A larger deposit can increase your credit line up to $3,000.

• Navy Federal 'n Rewards Secured Card comes with an APR as low as 8.99% and no annual fee.

Financial experts recommend that you only use credit cards for bad credit for 6 to 12 months as a way to improve your credit because interest rates can be high.

In credit card buzz, Target says that it is implementing smart chip-based credit cards. With the new cards in hand customers will need to prove ownership with a PIN. Find payment terminals to accommodate the new Chip-and-PIN credit cards at 1,797 U.S. Target stores by September. Find out more from CNN Money.