There are credit cards available for people with bad credit. Secured credit cards are more suited for people with bad credit and are likely to be the only ones they will qualify for. Capital One offers a Secured MasterCard which is available for people with bad credit.
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There are several cards available to those with poor credit. You can review available offers at www.BadCreditOffers.com.
No, there are no credit cards available with a permanent 0% interest rate. You can however get the low interest rates one at www.which4u.com.au/credit-cards/lowest-interest-rate -
They do because people may not have any money on hand and so they use debits cards or other credit cards.
Citi, being a very large financial institution, offers many different credit cards for any possible lifestyle. Their credit card lineup includes basic cards, rewards cards, and special cards for people with exceptional credit scores.
Yes, it is possible to have a credit score even though you don't currently have any credit cards. If you have ever applied for credit of any type then you are likely to have a credit score.