cap1 and boa 99/500 would be ideal, but i didnt think they would approve <525 fico. I would look into them on whogavemecredit.com before wasting an inquiry. Orchard has a pre-approval site that will do a soft pull, I would definitely try them first because you have a very good chance at getting one.
Id say WAIT>>>>>>>>>>>> until your score is at least 550 and above at 542 Orchard Bank sent me a preapproval! CL 300 AF39 bucks I took it bc I needed to reesttablish good credit! also I had an old charge off tht i kept in GOOD Standing 24mths till Hospital and job layoff and lost the card! So now itssssssss so much worth it! I got the card in March Good Luck!!!!!! Be patient