giving out a credit card to someone with bad credit, credit card companies will offer these individuals high fee credit cards. High fee credit cards have higher fees and interest compared to a typical credit card plan. However, this can be good for the person with bad credit. Though fees and insurance may be high, if used responsibly, someone with bad credit can build up their credit score. Once the credit score is high enough, they can apply for a traditional credit card plan and continue to improve their credit score