Fee Harvesting Card

You got divorced, then declared bankruptcy, and then had your identity stolen. In short, your credit is pretty bad. As such, you don't have a lot of choices when applying for credit cards. Most places look at your 327 credit score and turn you down.

As desperate as you are, though, watch out for fee harvesting cards. These are credit cards that force you to rack up a lot of fees...costs beyond the 29% annual interest they want to charge. These include things like monthly fees, activation fees, late fees, etc.