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.
Report Abuse. The Novice is the guy who does the work. The Expert is the one who hovers over him telling him what to do. The one in the middle knows what to do and how to do it but dosen't get paid any better than the Novice. He's called an Employee.