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No matter what card you have your eye on whether its a younkers credit card or a travel reward loaded card a good credit score is needed for approval. Typically this means having a score that falls in the 660 and 719 range, but what do you do if you're below that? You may well want to wait to get the card until your score goes up, and there are steps people can take to help that along. This may mean taking a look at credit cards designed by issuers to help people build up their credit or repair damaged credit. While these cards often come along with fewer rewards, some of them actually offer special promotions like low or no APR's, while others waive the annual fee.