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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.However, she needed to take out another credit card to help make payments as well as a method of re-establishing a credit history.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.While it is true that you may have fewer credit card options – there are still some providers that will issue you a new card.A suitable credit card that is popular in North America, yet what my research tells me is that it is not available in Australia at this time – is Secured credit card.