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You don't need excellent credit, but you shouldn't apply for this card if you have bad credit. A hard inquiry is not worth it for a card you might not get. Also, consider store cards usually have low limits which can potentially damage your credit score as well. If you get a card with a $500 limit and spend $475 and then carry a balance and make only minimum monthly payments this cause you to lose some points on your credit score. Carrying a balance of more than 30% of the card limit can negatively affect your credit score. Try a card that is meant for your type of credit to favor the odds of approval. Keep balances low and make timely payments.