If you have the cash flow, you can get a secured credit card or secured loan, which is giving a bank the money to lend[1] back to you at no risk to them. i.e. i

If you have the cash flow, you can get a secured credit card or secured loan, which is giving a bank the money to lend[1] back to you at no risk to them. i.e. if you give them $500 as security, they'll give you a credit card with a $500-limit, which you still need to settle like any other credit card. Most people who didn't miss payments get their security back after a year.