Bad credit can put a damper on a lot of major life decisions. It can prevent loans from coming through, ruin chances at dream jobs and in some cases, prevent people from obtaining new credit cards. However, even with less than stellar credit, these tips can help anyone get some new plastic!1) Establish a pattern of making a change: Start by thinking toward the future, and begin to repair a bad credit history by making regular and on time payments on any and all accounts. Repairing a credit history can take time, but credit card companies are more likely to issue credit to someone who is making a conscious effort towards turning their bad habits around.2) Start local: By applying for credit at a bank or savings institution that is smaller and more localized, it is easier for them to be more