Credit Cards For Fair Credit

Hello my monthly income is low and my credit score is fair 616. i am looking for a loan. anyone know any bank that offer loans for people with low income and fair credit

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I have three credit cards with the oldest account about 2 years old. I do not need or want a car loan or a mortgage. What is the maximum score I can acheive with just keeping credit cards. Also, will I be considered a high risk since I have no other type of credit obligation? My credit limits are not very high on the accounts that I do have. At what Fico score should I apply for another card to receive a high limit account?

I carry hardly any balance on any of my accounts. I use them and pay off the balance at the end of the month just to have a ontime payment history.

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