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When it comes to whether or not you are going to be approved for any card, it is important to keep in mind that there are several factors you are judged on when determining whether or not you are worthy of the card, not just your credit score. Your credit score is still an important factor however. The thing about Chadwicks is that they are most likely not requiring all applicants to have a credit score of 800. On the other hand, I’m sure they don’t want to deal with poor credit either. A fair credit score should give you a decent chance of being approved. If you want to apply for the card and see if you qualify for approval, you can visit Chadwicks’ website and follow the steps for approval.