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Store credit cards like the Maurices credit card are usually offered to those with average credit, that is your credit score should be above 600. It doesn't mean you won't be able to qualify for this card while you have no credit established. However, we would not recommend you to apply for a store credit card as your first credit card. The reason is, store cards have high interest rates and low limits. So, if you carry a balance on a store credit card, you can easily accrue a great deal of debt, which will be hard to pay off. Also, since credit limit can be low there is a risk of maxing out our credit card. Both won't help you build good credit. Instead of applying for a store credit card, consider getting a regular credit card - secured credit cards are preferable for those who start building their credit. Such cards often come with credit score monitoring services and report credit card payment activity to all major credit bureaus. When you have an understanding how credit cards work, you may want to apply for a store credit card.