The following credit cards may be able to help build, rebuild, or re-establish your credit if you make on time payments with all your creditors and maintain your account balances below the credit limits. These companies specialize in working with those who are "credit challenged". If you have bad credit and need a credit card these are the way to go. They are usually a bit higher APR and may have an annual fee with limited or no rewards at all. If you pay ontime and keep your credit score clean - then you can upgrade to a better credit card with better features and lower rates at that time. These are a good quick fix to your cash flow problems.