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Unfortunately, there is no way for me to determine whether or not you would be approved for a card based on your credit score. All credit issuers are different and there is no set number to determine someone's "credit worthiness". In addition, credit issuers will also take more factors than just your credit score, into consideration when determining whether or not you should be approved. Based off of my personal opinion, I would say that your chances of being approved are very slim with a score of 620. I would personally recommend that you look for a credit card option that will help build up your score before you apply for a more serious card.