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.
The definition of a hermit is a person who keeps to himself and who doesn't like to leave his home or see people. An old man who stays locked in his house all day and who gets mad when people try to come and visit is an example of a hermit.