If at all possible, people in this sort of situation would be much better served by joining a credit union. I was under the impression that most people using t

If at all possible, people in this sort of situation would be much better served by joining a credit union. I was under the impression that most people using these cards were using them because: a) They distrusted banks because of a prior history of being screwed by them, or b) They were unbankable because of a ChexSystems report preventing them from being able to open a traditional bank account. Is this not the case?