If you are unemployed or receive income sporadically for whatever reason, you may want to look into a secured credit card offer. To qualify for a secured credit card you won't need to go through an emplyment check or reach an income minimum. Instead, these credit card offers require you to set aside a sum of money in an interest bearing bank account that is then tied to the credit card. The bank deposit "secures" the credit card credit limit. If you have problems paying your credit card bills, the company is able to take money out of your account to cover the cost. While you are using a secured credit card, you can build a better credit score that will enable you to obtain an unsecured line of credit in the future.

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