Yes, but it may be a secured credit card that requires a cash deposit for collateral. This is a secured loan until your deposit is refunded and you’re upgraded to an unsecured account. The biggest benefits of secured cards are that they help add positive data to your credit report when you make your payments on time and keep your credit utilization ratio below 30% of your available credit limit. Payment history is the most important thing when it comes to your credit score, and having a lengthy on-time payment record is necessary for achieving a good credit score. Secured cards also give you a means to make payments with a credit card, which is necessary for most online transactions. Unless you have the income to simply pay cash for everything, having a low credit score can make your entire financial life a struggle. But it’s not impossible to find credit or a loan with a 400 to 450 credit score. And, what’s more, while a 400 to 450 credit score may take time to improve, it can be improved. Creating a sustainable budget so you can pay down debt and build a positive payment history can go a long way toward improving your credit score over time. Researching the factors that go into your credit score can help you build a plan of action for rebuilding credit.