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 FICO credit score ranges between 300 and 850 which is used often by banks, lenders and financial institution to determine whether to provide you with financial solutions and at what interest rate. A rule of thumb is the higher the credit score, the lower your rate will be.