It really is true that subprime can drive you crazy. All the companies who dick you to exploit your degraded status they helped create. Yet, I was approved for a PayPal Prestige Visa with no annual fee, 16.99 apr. Wells Fargo has a secured card for scores in the 600 range. Annual Fee: $59. They match funds one on one. How is it that subprime like Providian can get you into average good credit cards and respectability but a much more honored bank will shit on you like a dog with dysentary? It's enough to drive you crazy. It has. Using the tools God gave me to tell my creditors to go **** themselves in the name of truth.