Those with a nonexistent or poor credit history may find it difficult to secure a car loan, mortgage or other lines of credit, as the banks either can’t tell whether you are a great risk to them, or your low FICO score signals a high risk. Luckily, there are various credit cards you can apply for to help establish yourself in the financial world as a good consumer. CNN Money recommends the Orchard Bank credit card, which is a part of HSBC. Applicants will be chosen to receive one of two different types of credit cards – unsecured, which carry up to a $59 annual fee, and secured, which requires your own down payment and essentially works like a debit card, however you must pay it back. The Capital One Secured MasterCard is also a good choice, as it carries a low annual fee of $29 and requires a minimum deposit of $49. The only catch is that carrying a balance can cost you, as it comes with a 22.9 percent APR, so it is important to only charge for low-cost items that you can pay off immediately. If you are in the market for a car but are in the midst of repairing your credit, there is always the option to apply for a bad credit auto loan.