 TITLE: What to Know Before Getting a Retail Credit Card CONTENT: It's Easier to Qualify Even if You Have Bad Credit\n--------------------------------------------------\nOne big perk of retail credit cards: They can be easier to qualify for than traditional credit cards, especially if your credit isn't in great shape. The average FICO® Score☉ in the U.S. is 703, according to Experian data. While the average score for Americans who have both a retail card and traditional card is 728, the average score for those with only a retail credit card is 575. This data seems to show that store cards have less stringent credit requirements, so if you need access to credit or want to build your credit and can't qualify for a regular card, a store credit card could be a good option. END