While an applicant with good creditis more likely to be approved for this standard card, there are some places that will offer unsecured credit cards for bad credit risks.
And for some individuals, a few days without second class mail - most of which iscredit card offers, pre-approved loan applications and other unsolicited junk - may not be entirely a bad thing.
It is important to note that most lenders will encourage you to contact a HUD approved counseling agency to receive credit counseling, but beware of foreclosure scams.