No, you don’t have to have excellent credit to qualify for a VyStar credit card. VyStar has secured credit cards that are good for people with any credit. Note that to apply for a VyStar credit card, you should be a union member. If you are not a member, you will have to become one fist, and only then you will be able to apply for a VyStar credit card. Or you can apply for a bank credit card, if you do not want to be a union member. Bank credit cards are available to everyone and there is a credit card offer for any credit.