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msbelieve

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is it safe to apply for a credit card if your credit is 582?
what can you do, if your credit is 582?

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I would not recommend applying for an unsecured card with that score as it will most likely result in a Hard Inquiry on your credit report (deduction of a few points) with nothing to gain but a denial. I would advise you look for a secured credit card (one you put collateral money down for) and use it to help boost your score up before applying for an unsecured card. Applying for a secured card will also result in a hard inquiry on your report (loss of a couple points) but you have much better chances of being approved. You should research different secured cards and see which may be best for you. You could go to Capital One's website and see if you can get preapproval before applying (note: preapproval does not guarantee you will be approved for sure, but it gives you a good idea). They have $200 secured cards in which you pay them $200 for collateral. If you have the extra couple hundred dollars I would get on this as soon as you can, as it takes time to build scores up. There are also other companies that offer secured cards if Capital One isn't for you. Read some reviews on secured cards and see what other people have to say.

Top Contributor
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You don't say why your score is so low

If you have credit, but have high debt, then pay off those cards. If you have late pays and other derogitory remarks, those need to age so they have less effect. If you have things in collection you need to deal with those. 

There are many factors that effect your score.  With so little info it hard to say whats actually keeping your score that low.

Chances of getting approved for credit with a score below 600 are very low. You need to go over your report and figure out what steps you need to take to get your score up.

Good luck

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