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If you have a poor credit history, then you cannot get a loan from your bank because the bank will check your record from the credit bureau and then consider your application. In order to get loan approval you have to build a good credit score, and for this purpose, you can consider using credit building credit cards because these cards can limit your expenses and encourage you for repayment every month and also report your every transaction to the credit bureau. Buying a credit builder card is convenient for you because there are many financial organizations which are offering these cards to individuals so you can apply for such card and start building good credit by limiting your expenses.  The Credit Building Credit Cards come with a maximum credit limit so you cannot use the card for shopping beyond the card limit. You also have to deposit security to the bank if you want to apply for this card and bank will determine the maximum credit limit for you according to your cr