Don’t forget secured cards, which require an upfront deposit, and cards with regular monthly or annual fees, simply for having them, regardless of whether you use them or not.

Thats the kind of credit cards you get offered if you are bad with credit cards (cough most Americans are cough thats kinda the whole business model cough), or, if someone steals your identity and you either don’t have enough time or money or otherwise can’t sufficiently prove to credit reporting agencies / banks that that is what happened.