This section is for people who have no credit, bad credit, challenged credit or have had a recent negative entry on their credit report (delinquent accounts, bankruptcy etc.). If you have had to recently file bankruptcy making purchases on a credit card and paying on time can help re-establish your credit. You can also monitor your credit scores to watch your progress over time, this is highly recomended. The credit card deals below are tailored for people in your situation and we have selected some of the easiest instant approval credit cards for challenged credit below.