There are many credit card lenders who are willing to give you credit cards. But you have to pay higher interest rates. At times the interest rate could be as high as 40 percent. Many lenders charge an extra fee of $35 for each late payment. Always pay your minimum payments on time and never break your credit limit. Pay your balance each month if possible. For getting credit cards, apply at smaller retail stores. If your application is accepted, make a small purchase and pay a minimum amount every month, on time. Then approach your bank, credit union or savings institution.