Credit card applications are approved or denied largely based on the applicant’s credit score and financial history. If you have a low credit score, there are options and ways to get accepted for a card.
First have a look at some of the cards that might be appropriate for those with a low credit score, such as credit builder cards. The interest rates they have are usually not as good as with some of the better deals, often with an APR of over 30%. If this seems like it would still be workable, then have a look at the other criteria they use for application – such as minimum income levels. If you satisfy these requirements it might be a good idea to see if your application is likely to succeed on one of the eligibility checkers online, or even contact the bank itself to ask a few questions.
If however, one of these cards doesn’t seem like it would be a good fit, you can always stall the purchase you needed the card for, while you improve you credit score. In the meantime you should look at ways to improve your credit score. These can be quite straightforward, and in a short period you can look to getting one of the better cards. In the meantime it might also be an idea to get a credit builder card in the meantime which can boost your credit score.
So overall its best to take stock of your financial situation, see if some of the options tailored to customers with a low credit card could work for your goals, and if not then look to getting your score up so that you can apply in the near-future. It’s important to avoid making too many applications at the one time or being hasty with your applications, since this can result in further reductions to your credit score.