Generally scores around 620- 650 can get somewhat decent credit terms with maybe a higher APR and lower limits. Above 680 or so you start getting better terms and above 720 pretty much you can get the lenders best terms , above 750 you will get the best terms and larger lines. There is no hard and fast rule and it depends on what youâ??re looking to accomplish and who the lender is. Perhaps look at some of the rebuilder or secured cards to help