Club Carlson cards are co-branded credit cards and such cards are usually offered to people with an established credit. It is easier, and better for your credit and score, to apply for the card that is good for your current credit history. For example, secured credit cards are designed for those who want to build or rebuild their credit. These cards are reported to all three major credit bureaus, which is important when you improve your credit. Note that secured cards require a security deposit that should be paid before the card is issued.