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First off all, to apply for a VyStar credit card, you should be a VyStar Credit Union member. The VyStar credit cards are available to union members only. Once you are a member, you can visit a local VyStar branch or website to apply for a VyStar card in person or online. If you do not want to become a VyStar member, you can apply for a bank credit card that is good for your current credit history.