Your credit will still be bad, so look for cards that are designed specifically for people in your situation. You'll see both secured and prepaid cards, but go for a secured card, since those lenders will usually report activity to the credit bureaus and you can re-establish your reputation with excellent use. Check to be sure the one you apply for does report to the bureaus.
The definition of a novice is a beginner, or a person at the start of something.
Definition of cloister. 1  1a : a monastic establishmentb : an area within a monastery or convent to which the religious are normally restrictedc : monastic life young men and women choosing the cloister as a way of lifed : a place or state of seclusion â¦ the Internet broke out of its academic cloister and started cavorting in the mainstream.