Most instant approval credit cards need fair to good credit scores, meaning you have a higher chance of being declined if you have a bad credit score. Good news is there are plenty of cards on the market for people with bad credit scores. 

The best way to apply is online, but you can also apply in person or over the phone. You’ll need to provide some information to prove your identity and employment, including your:

• Employment status and place of work
• Income
• In some cases, your other debts and expenses
• Social insurance number (though, your SIN usually isn’t required)
• Finally, youll need to consent to a credit check

If you have a credit score of 500, the easiest credit cards to get will be secured credit cards that require a deposit.