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.
Monks definition, (in Christianity) a man who has withdrawn from the world for religious reasons, especially as a member of an order of cenobites living according to a particular rule and under vows of poverty, chastity, and obedience. (in any religion) a man who is a member of a monastic order: a Buddhist monk.