With the buy-now-pay-later mentality of today’s society, many people have fallen into the trap of bad credit. Because of the vastness of this group of prospective customers, it’s no wonder that most lenders now have programs in place for people with credit trouble. Because of the potential for higher interest rates, fees, and therefore profits, they view this as a very lucrative area of business to tap into. Consequently, bad-credit credit cards have become much more widely available.