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 treacherous is someone who is guilty of dishonesty or betrayal, or something that is dangerous or hazardous. 1  An example of treacherous is someone you thought was your friend who shares your secrets with everyone. 2  An example of treacherous is ground made slippery because of an ice storm.