Millions of people have trouble with their credit each year. From late payments to bankruptcies, families and single individuals work to overcome their poor credit histories and find a way to get along in this world of fast cash and credit card payments. So if you have poor credit or no credit at all, how do you get a credit card? Well, poor credit and no credit are different, but the methods for finding a credit card are very similar. So let's go over a few here:

' Check your mailbox. Unless you have opted out of pre-screened credit offers, you should get a few in the mail. Read the fine print and see if any of these offers suit your needs.

' Search online. The World Wide Web is an endless resource for credit card possibilities. You can use search terms like 'no credit credit cards,' 'poor credit credit cards,' and 'secured credit cards.' You will get a list of results that is longer than you need.

' Ask your bank. Many banks these days offer secured credit cards for people with poor or no credit. A secured credit card is simply a card that is set up after you make an initial deposit to your credit account. Usually, this amount is between two and five hundred dollars. After your deposit is made, you will have a line of credit up to the amount of you deposit, depending on the financial institution's regulations. Use your card as you would any credit card, and after a year, you may qualify for a standard credit card that is unsecured.

' Check out college bookstores. Believe it or not, these are great places to find random offers for no credit credit cards. Companies want to appeal to students, who have little or no credit, by offering credit cards for an annual fee. You can ask for any brochures the bookstore includes in bags at the point of purchase.

' Get referrals from people you know. If you have a friend that has overcome bad credit or has built their credit from scratch, ask them how they did it.