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Your credit score is not going to be the only factor that determines whether or not you will be eligible for the card. There are several other things that are also taken into consideration, however your credit score is a very important part. Raymour and Flanigan is not requiring applicants to have a credit score over 800†; however they don't want people with a 500† score either. I would say that as long as you are an individual with fair credit, you would have a decent chance of approval. When it comes to applying, you can do it in one of two ways. You can simply visit their website and follow the application process, or you can visit a store and ask an employee for help.