After a three-year slow period, credit card offers are reportedly on the rise once again, as card issuers hope to lure borrowers who may hold previous debt back into a credit card contract, according to The New York Times.

Those who suffered a financial blow during the recent economic crises may be tempted to apply for a credit card, as a new contract could be an opportunity to repair a bad credit score. However, a new account also invites the potential for racking up additional debt.

John Ulzheimer, president of consumer education at SmartCredit.com, told the news source that lenders are "tiptoeing their way back into the higher-risk pool of customers."

Credit card issuers may be attempting to court those who walked away from their homes when their residences dropped in resale value, current homeowners who hold large mortgages and those who previously lacked the money management skills to pay bills on time and in full.

According to MSNBC, those who are attempting to pay off their credit card debt should stop using credit cards when making purchases, and instead strive to use only their personal funds.