Most unsecured credit cards that regularly approve applicants with poor credit are offered by subprime credit card issuers or banks who specialize in high-risk applicants. How to Apply for Line of Credit Online. A line of credit provides flexibility and quick access to funds in an emergency. Apply Online – You can easily apply for a line of credit online 24 hours a day. You can also call us during business hours to apply over the phone. So if you have poor credit, you may have trouble getting approved for a line of credit — or getting favorable rates if you are able to get approved. While you may be able to get approved for a line of credit with low credit scores, that doesn’t necessarily mean you should. If you have a 600 credit score, you may be interested in credit cards for poor credit. Compare the many options and start improving your credit now. Bad Credit An individual's credit rating is typically considered bad or poor if their FICO score falls below 620. Issues that drop a FICO score to such a level include defaulting on (failing to pay back) loans and credit cards, making payments past their due date, and/or carrying a high level of debt. Headway Capital provides lines of credit up to $100,000. To qualify, you must make at least $50,000 annually, have been in business at least one year, and have a credit score of 550 or above.