Credit Card Center Advertiser Disclosure

New Member
Posts: 11
Registered: ‎02-28-2008
0 Kudos

Credit Card Approval with low credit score

My ex score is 544 as of today...are there any credit card companies that I can get approved through? I need to open more credit accounts to boost my score. Thanks for any suggestions.
Established Contributor
Posts: 562
Registered: ‎08-16-2007
0 Kudos

Re: Credit Card Approval with low credit score

I got a salute MC with a score like that. The fees are horrible though. You may want to do a little bit more repair work and try for a credit one. i just got one with a 589 EX score and the fees are 1/2. Good Luck! Smiley Happy
09/28/07 EQ 498 EX 537 TU 477
12/27/07 EQ 526 EX 562 TU 541
02/26/08 EQ 526 EX 589 TU 579
11/09/08 EQ 562 EX 648 TU 578
Established Contributor
Posts: 805
Registered: ‎02-01-2008
0 Kudos

Re: Credit Card Approval with low credit score

[ Edited ]
This'll probably get moved to the CC forum soon, but try that'll give you some ideas, you can also look into secured cards which are your best bet, still not guaranteed BofA pulls Ex (or did for me a week ago) and I got approved for a secured card with them via mail.  (It came with my rejection letter for an unsecured haha)
Oh yeah in terms of fees, BofA just has an annual fee that's pretty reasonable.  If you bank with Wells Fargo they have a decent annual fee on their secured card but I don't know what they pull/what score they take.

Message Edited by modernsurrender on 03-03-2008 02:07 PM
Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Senior Contributor
Posts: 4,596
Registered: ‎09-14-2007
0 Kudos

Re: Credit Card Approval with low credit score

southerngirl, where did that score come from? There are many kinds of scores, but the only one that really counts are scores from FICO, as 90% of the lenders use that when considering granting credit.
If it is FICO, then one place to start is right here at myFiCO. Look to the black menu bar on the right...the catagory marked Get a Credit Card. Run a search based on your score.
There is also a great website:
Make sure the score you enter is a FICO score.
There's also, ScoreMatch:
That should get you a goin'.  Good luck! Smiley Happy
"Never ever, ever be late. Never" (FUTR)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.