what credit card is the best one to build credit after it’s already bad and what’s the best bank to bank with.?

You can’t really say what the best company is, it depends on what your looking for. Students usually get a rewards card but this type of card could have higher interest rates which could kill you when you are trying to pay it. You should get a card with less then a 10% interest rate. I know that seems high but compared to the percentage most people have it is pretty good. If you can get 0% you should take it but be careful and make sure that after the period lapses on which you have 0% that you are not being charged 19-20%, instead the percentage rate should be around 12%. You can also try American Express, the usually don’t charge interest and have a rewards program with the card but since you have bad credit you may not get approved since they require good credit. Be careful not the apply for too many cards after you’ve been denied or if your applying for multiple cards since this will have a hard credit point taken off from your credit score. Soft points are for what is considered necessities and do not effect your credit or it doesn’t effect it too badly. Hard points are the direct opposite. The best interest rate I’ve seen are given by Citibank (for the large commercial banks that it). Hope this helps.