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As a rule, store credit cards are offered to people with average and even bad credit. They are often used to build some credit as well. But it is said that the Overstock credit card is offered to people with good or better credit history. So we would not recommend this card to someone who has just started building credit history. Moreover, this card comes with a hefty interest rate of 29.99% and if you are not paying the cards balances in full every month, you can accrue an unpayable balance pretty fast. Instead of applying for a store credit card, you can consider getting a regular credit card that is good for your current credit history.