Check out the pre-qual pages on the major cc sites - doesn't do any harm to check and puts you on their radar as someone who might be interested.
Personally, I think sub-prime offers come at a time when you are getting better, but not at the stage you know you don't need them.
They try to rope you in because either you'll fall and owe them big on fees, or succeed and still owe them on fees and you'll pay them because you don't want to tank your improving score.
I use mine as lessons for my kids. Oh hey look at this one - Only a $95 annual fee, $10 maintenance fee/mo, 29.3% APR, and they guarantee a limit of $300! Whatcha think?
