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When it comes down to whether or not you are going to be approved for a specific card, you have to remember that there are several factors the credit issuer takes into consideration, not just your credit score. However, your current credit score is a very important factor. The thing about Modell’s, and most stores in general, is that they do not always require you to have a perfect credit score in order to be eligible for one of their credit cards. However, if you have bad credit the chances are slim you will be approved. I would say as long as you have a fair credit score, you will likely be approved. In order to apply, you can do it in one of two ways. One way is by simply logging on to Modell's website and clicking the option that takes you to their credit card page. Instead of this, you can choose to visit your local Modell’s and ask an employee for assistance.