Where do I stand with a Credit score of a 570? Are there any credit cards out there for me?

Answer 1

okay... there are SEVERAL misconceptions regarding credit and how to use it to your advantage, so allow me to clear the air for EVERYONE. Yes, a secured credit card is a good idea for someone in your position, BUT running up the balance to the amount you are given is the WRONG way to rebuild your credit and become more credit worthy. Go ahead and get yourself one of those, two if you want. Pay the amount (usually about $150 - $300, depending on the limit you are approved for) and begin using the card by ONLY charging UP TO 50% of what the credit limit is... pay it off. Do this and only this with any of your credit cards and you will have a 700 fico (850 being the highest attainable score) in no time. (The key is to never charge any more than 50% or your high credit limit). Your bank probably offer's some form of secured credit card... search the net.

Answer 2

A credit score of 570 is pretty low. About the last thing you need is a credit card so you can dig yourself in deeper.

If you're just looking for one for convenience, the prepaid cards that others have suggested can be a good idea. Of course, then you have to have the money up front to deposit.

Answer 3

A credit score of 570 puts you in the "poor credit" range. You can find a complete list of offers for poor credit here:

http://www.asapcreditcard.com/poor-credit.html

Although these offers tend to have higher interest rates (and additional fees) when compared to 'standard' credit cards, they'll give you the opportunity to prove your credit worthiness and build your credit score over time. Eventually, with regular on-time payments-- you'll be able to qualify for better offers with lower APRs and less fees. But for now, these are your options...

Hope this helps. GOOD LUCK!

Answer 4

You are at the low end of the scale. There are credit cards available, but with outrageous APR. You may do better with a secured card. Basically, you give them the money first, then charge only to the point where the money runs out.

Answer 5

I would apply for one of those PrePaid credit cards that report your spending and paying habits to the credit bureaus.
Shop around and find one. This way you can build up your credit rating over time.

Answer 6

Yes there are.

You may have to start with a secured credit card.
Try an Orchard Bank card, they seem to be good.

http://www.thecreditcardtorebuildcredit.com/categories/bad_credit_credit_cards

Answer 7

try capital they will give you a chance