00:04So you haven't been the best with your credit. You may have had a few debts you haven't paid
00:08on time or done other things to bring that score down. Well, you can still access a credit card
00:13even if you're in debt. Lifehacker advises becoming an authorized user. If you're in a
00:17trusting relationship, perhaps your partner could add you as an authorized user. They don't even
00:22have to give you the card. You'll look more attractive to other creditors if you have more
00:25available credit. There are also several prepaid cards. Cardrates.com says the Fingerhut
00:30credit account accepts applicants with bad or little credit. There's no stated minimum credit
00:34score. Lifehacker also suggests borrowing from your 401k. It's not ideal, but if you have money in
00:40your 401k, you can get a pretty low interest rate on a loan and pay off your credit card debt
00:44with
00:44that money. With lower balances, you'll look more attractive to credit issuers. You also can get to
00:49work on improving your score by paying balances on time and not racking up any more debt.
00:55you
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