Card and let her use it. The other thing is I was the co signer. Well, it did not take too long if all the balances and neither of us could pay the minimum.What happens when that happens is that interest rates start compounding the problem themselves and pretty soon the balances on their credit cards start to rise and rise. It was not long before the balances completely unmanageable.So then, I had bad credit. And there was a way I could get any credit cards. Keep in mind, that this was also the credit was flipping in the credit markets or not frozen.As a result, the amount and variety of bad credit far exceeds secured credit cards. If you are thinking about getting a loan with bad credit you need to plan in advance. Banks and lending institutions have many different kinds of programs. Of course, a better credit score increases your chances of receiving a loan. Especially in these times, related to people, millions are getting bad credit and it gets worse on a daily basis. I thought it was to be easy to figure how to get unsecured credit cards for people with no credit.