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The Australian and New Zealand Banking Group (ANZ), offering some credit cards that are also designed with first time consumers in mind. While not all of these may be suitable for individuals who have bad credit, there are cards that will be better options for first time credit card users.

For example, low interest credit cards and low annual fees cards.

For first time credit card users, it is likely that they won’t already have credit history – and if they do they have very little.

This is also typically not enough of a financial foundation to apply for other types of cards.

Instant Approval Credit Cards Other cards that also work in a similar manner in terms of the approval process, are Instant Approval Credit Cards.

These do typically involve some form of a credit check, however.

The Secured Credit Card offer also provided by the CIBC, also serves borrowers who are looking to either build or re-establish their credit.

With that being said, if there are cards that are similar to Secured credit cards, yet are not classified as such in Canada – let’s find out what may be similar across Australia.

With this being said, this does not mean that you should rule out being able to get a credit card.

While it is true that you may have fewer credit card options – there are still some providers that will issue you a new card.

The thing about bad credit is that in many cases, banks and credit card companies will deny you a credit card because they view your application as too risky.