People with bad credit tend to be late with monthly payments or default their loans. They might have a recent bankruptcy record in their credit report as well. In this case your FICO score will range between 350 and 639†.
Glossary Terms: Bad Credit
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Bad Credit
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† Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product. Credit-Land.com uses a FICO® Score, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.