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Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are not qualified for this may harm your credit even further. Remember that they have certain offers that have variable interest rates that will be based on your credit profile. So the lower your credit score is, the higher your interest rate will be. With rates as high as 25.49%, you will want to make sure to pay your bill on time to avoid high fees.
We would also like to refer that Neiman Marcus credit card can only be used at their stores. The current Neiman Marcus credit card offers 5,000 Bonus Points when you open an account and make a qualifying purchase within 30 days in store or online at Neiman Marcus. If you want to maximize your savings, we recommend you to apply for regular credit cards. These cards give you rewards with every purchase in any store.