I have really bad credit. I have a couple collection accounts and old credit cards I misused from a year ago and can't pay at the moment. I have a full-time job right now, but I am currently looking for a part-time to pay off all my debt. At times I find myself just squeezing by between paychecks. I was thinking about just getting a new credit card just in case there does come a time where I have no money for gas or food, but I promise this time I won't abuse it. I've learned a lot from these forums about keeping it at least below 30-20%. I really don't have any open lines of good credit either so I thought it would help for my credit score too.

But, would I even qualify for a small limit one? If so, where can I get one? Or should I stay away from credit cards until I get all my debt taken care of? Any advise or suggestions would help.

Lakers2010