However, it is possible to get an unsecured bad credit card even if you have bad debts. One way to ensure that you get an unsecured credit card is by listing yourself along with a spouse who has excellent credit history or a close family relative whose credit rating is good. This way you will be assured of securing credit even in circumstances where your credit history is not all that good. Failure to settle your debts does not mean that you will repeat the same trend again. This is because some unavoidable circumstances beyond your control can make you unable to settle your debts. After you get an unsecured credit card, it provides a good chance to repair your credit history. Make sure that you purchase items using your unsecured credit card and repay the money immediately. This way lenders will start building trust on you and you can be confident to approach bigger institutions for credit.