If you have bad credit, you can still get approved with places like Ginny's, Seventh Avenue, etc. They offer a lot of housewares type stuff and other items. Their stuff is a bit overpriced but is nice enough, and it's unique. Unfortunately, you don't build credit other than with them because they don't report to credit bureaus. Do you, have you or would you order things from these places? I've ordered quite a few things for my house and have paid them off quickly. I know I'm paying a bit more than I should, but it's worth it to me.