No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
the scores you have are worthless but I would probably try DCU as it's easy to qualify to join them and they use EQ and have lowest rates around I believe.
not sure where you live but Burbankcity CU here in Burbank CA is who I refinanced with and they use a straight TU Fico score and once approved, the rates are set based on credit score not dependant on the credit analyst! (I think they have open ways to join also)
Based on the amount owed on your car I don't see any CU refinancing for you.
Based on NADA, a 2013 Nissan Altima S with 33k miles on it, Clean Retail book is $16,925, which would put you about 150% LTV