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You can apply for the Milestone® Mastercard® - Less Than Perfect Credit Considered if you do not have a non-discharged bankruptcy. This is an unsecured credit card without application fees or down payments. The card is designed for people with poor credit. The credit card limit will be determined by the issuer based on your creditworthiness, but the minimum credit limit is $300. The annual fee for the card will be between $35 and $99 depending on your creditworthiness.