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Store credit cards like the HSN credit card are usually offered to those with average credit, that is your credit score should be above 600†. But it doesn't mean you won't be able to qualify for this card while your credit is bad. However, not that even if you are approved, you may not be provided with a high credit limit and that means you may easily max out your credit card or use all available credit limit. This is not good for your credit score as it can go down. If you are sure you will be able to use the HSN credit card responsibly by keeping your balances low and making on-time payments, you can give this card a try.