If you have a poor credit rating, it can be harder to get approval from a lender for a unsecured loan. (sainsburysbank.co.uk)
Simply receiving approval from a lender is not always proof that you can afford the loan you're seeking. (valuepenguin.com)
So if your credit score is really low, you should start with a secured credit card before seeking approval from a lender for a traditional credit card. (studentloanhero.com)