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Since your goal is to improve your credit, you should first of all find out if the card is reported to the major credit bureaus. The 76 credit card is issued by Synchrony Bank, so it is reported to at least one credit bureau. As the 76 credit card is a station-branded card, the bank may not want to see applicants with too bad credit. However, at the same time, it is not necessary to have a perfect credit to qualify. A credit score in mid 600s† should be enough to qualify for this offer. If your credit is low, look at other alternatives you have.