Coco asked: I have never owned a credit card and I owe collections $400. Does anyone know where I can get a credit card offer regardless of my bad credit score?MINTA
Start at your bank.
Go for a prepaid or secured card first. This will allow you to build credit without going into debt.
Otherwise try Sears. It’s also a good start, easy to get, and usually such a tiny limit that you can’t get into trouble.