Credit card issuers are ramping up lending to consumers with poor credit but borrowers beware — the terms aren’t always going to be good. Lending to subprime consumers — typically those with a FICO credit score of below 660 — climbed 41% last year, with banks issuing 1.1 million new credit cards to riskier consumers, a four-year high, according to a recent report from credit reporting agency Equifax.

The JCPenney® Rewards Credit Card, operated by GE Money Bank, is a rewards card for J.C. Penney® customers. Cardholder benefits may include special discounts and exclusive savings, sneak peeks of sales and events, JCP Rewards program, monthly rewards certificates, and the opportunity to earn Gold/Platinum Rewards Credit card status.

If you have bad (a 500 credit score to 580 credit score) to poor (a 581 credit score to 639 credit score) credit but want to increase your FICO Score by 150 points then read on to find out how to boost your credit score in the next 6 months.

Send in one application to Orchard Bank, a subsidiary of HSBC, and you’ll be considered for four different cards. Based on your credit, you may be offered one of three unsecured credit cards or a secured card.

So, you want to rebuild your credit score but you have horrible credit right now — one choice is getting approved for Capital One Rebuilder credit card which usually starts cardholders with a $300 dollar credit limit.