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It is likely that you may be approved for the hhgregg card even if you have fair credit. However, you will probably not get this card if you have bad credit. If you have bad credit, do not apply for this card as it will only lower your credit score. There are many other cards aimed at those that want to rebuild their credit. It is important to know that the hhgregg credit card comes with a very high APR. So if you do apply for this card it would be imperative not to carry a balance. The interest rate of 29.99% is one of the highest around in the line of store cards.