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.
imÂ·beÂ·cile. n. 1. A person who is considered foolish or stupid. 2. A person of moderate to severe mental retardation having a mental age of from three to seven years and generally being capable of some degree of communication and performance of simple tasks under supervision.