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Fall3n1

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what credit card can i get with derogitory marks/550 score

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Simple answer: NONE

I don't know of any lender that will issue a unsecured card to anyone with a score below 580. and none that will issue credit if you have derogitory remarks on your report in the last 2 years. 

You best bet would be a secured credit card,  Thats where you make a deposit into a savings account that is used as collateral for the card.  the limit will be the same as the total deposited into the savings account.  maintain it for a year with no late payments and they will generally release the deposit and convert the card to a regular credit card. Check with yoru local credit union or your bank.

Good luck

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