Sears Gold Mastercard. Limit $2902.00 APR 10.99 HouseHold Mastercard. Limit $430 APR 22.90 Police and Fire Federal CU Visa Secured. $500.00 APR 9.90 Dillards. Limit $600.00 I am an AU Car Loan at APR 18% I was going to get apply for the BOFA secured card and deposit 500.00. My question is do I already have enough credit to start to rebuild my credit my scores are only in the 500 range. I also have had my BK removed from all three Credit reports. I have some charge off's and what not. Any advice would be helpful.