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If you have poor credit, a credit score 629 or less, you might find it really difficult to obtain a credit card. However, now credit card companies are offering poor credit credit cards to people just like you to help you get back on the right track to good credit once more.

Credit cards are easy, right? You have a credit limit. As long as your balance isn't as high as your credit limit, you can pay for things with your credit card. When you pay for something with your credit card, you don't have to pay for it until later.

A 0% APR is essentially a credit card offered by credit card companies to their consumers with an ‘annual percentage rate' (APR) of zero percent. However, this rate does not exist forever, and after a period that ranges between three to twelve months, credit card companies begin charging higher rates of interest.