john93 - Hi! When I needed a credit card and the banks refused me, I decided to get an unsecured credit card from Avant. To do this, I first contacted avant customer service on https://avant.pissedconsumer.com/customer-service.html and clarified all the details, and when I realized that they suit me, I sent an online application. They do not have very high-interest rates, there are no hidden fees, and if you do not violate the terms of the loan, then there will be no fines. This is a great alternative to a bank credit card.