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Best credit cards for bad credit

ASU expert weighs in the best credit cards available for those who have bad debt.

Isys Morrow

In this article published April 13, 2026, on WalletHub:

The decisive rule: if you can afford the deposit, a secured card is almost always better — lower fees, higher approval odds, and issuers like Discover and Capital One proactively graduate you to unsecured cards once your score recovers.

Sreedhar Bharath, Richard C. Kraemer Professorship in Finance

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