Many people with bad credit utilize debit cards to get the convenience associated with credit cards. A debit card allows you to pay for purchases without having to have cash on-hand. To encourage frequent usage of debit cards, many institutions also offer rewards programs. However, having a debit card does not mean you have a credit card. When you use a credit card, you are borrowing money that you will need to repay to the lender. With a debit card, you are actually accessing money from an account that you deposited money into. Since you are using your own money for purchases, you don't have to pay an interest charges. Some issuers may charge a monthly fee, so be sure to find that out before you sign-up. If you are cash-strapped, debit cards are of limited use, since you still need money in an account. You may want to consider a personal loan instead.
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You can review popular debit card programs with the institutions below.
Click the 'Apply Now' button next to your desired card to fill out an application.