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harley1620

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Are there any credit cards out hter for somebody with a credit score of 544 that isnt a prepay?

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Doubtful. There are only a couple unsecured cards out there for bad credit and they are usually only for a $200 or $300 credit limit and they charge so much in fees that you may only start out with an available credit limit of a few dollars. I would suggest to stay far away from these cards. Always read reviews on a card before you think of applying. I would suggest that you save up a couple hundred dollars and see if you can get approved for a secured card that reports to all 3 credit bureaus regularly. You could go to Capital One's site and fill out the preapproval form to see if you may qualify for their secured card. Always try preapprovals first as they do not give you a hard inquiry on your credit reports. Also realize that just because you get preapproved it does not in any way indicate that you will be approved with certainty.

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