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Every credit issuer is different when it comes to determining what makes an individual credit worthy and there are many factors that are taken into consideration when determining your approval, aside from the current state of your credit score. Many store credit card issuers do not require you to have a perfect or even excellent credit score. It’s safe to assume you would have a decent chance of being approved for the Big Lots credit card as long as your score is in fair range or above. If you were to be denied for the card, you always have the option of rebuilding your credit and trying to apply again.