Answer: -Technically 650 is border line fair to good, You will be able to get a credit card no matter what kind of score you have. You are well on your way to having good credit. Keep it up. -Amazingly enough, you can get high-interest credit cards with a terrible credit score of below 500. A credit score of 650 is actually a pretty good score! -you can get a credit card with no score just as easily as one with a bad score and this would not apply to you. as far as doing a refi a 650 score with a low to medium loan to value (how much your house is worth compared to how much loan you have) and a good debt to income ratio with FULL documentation would land you prime rates... however if any of the three things need to be ammended or are not strong then your rates will be anywhere from prime +1 to +3 if you did not document your income at all.. hope i didn't confuse you to much.. feel free to email me if you want clarification or more specific info. -I had a very poor credit score and was not deprived of getting a credit card, got one via NHBS, Inc, they have better cc programs, might as well check with them.