Approval ratings for this card are insane. If you have a credit score of 380, which is indeed damaged, you can get approved for these credit cards. This is a secured credit card and one which accepts most people into this midst. This is one of the main appeals of the Merrick Bank Secured Mastercard. The other main appeal aside from the approval ratings is the very high initial spending limit ($3,000), and simple, streamlined, and quick application process. The whole application process will not take more than a couple of minutes, and you're going to get a reply pretty soon. So don't worry, there is nothing to lose if you try to apply. You're most likely going to get accepted.