In the current financial scenario, having a good credit history is one of the main factors that influence credit granting decisions. However, for many, getting a credit card becomes a challenge, especially those with a low credit score. This score, which reflects a consumer's financial health, can limit access to various credit options, but it is not the end of the line. Fortunately, there are alternatives that can help restore trust in financial institutions and build a more stable economic future. In this article, we will explore the credit card options available for those with a low score, as well as essential precautions to avoid financial traps and ensure conscious and responsible use.