Banks are notably unwilling to give out credit cards to people with bad debt problems. This was particularly pronounced during the credit crunch of 2008-2010. However, there are credit card options for those who want to pay off their debt. It is best to avoid "predatory cards" which have high interest rates and a large number of fees. Instead, people who have historically had bad debt problems should choose either prepaid credit cards or low balance credit cards, both of which avoid making people spend money they do not have. Some credit unions and credit counseling banks also offer "trainer" cards which help one get over bad credit.