All credit activity is reported to TransUnion and Equifax, and you can use Scotiabank credit cards to improve your credit rating. However, Scotiabank credit cards are primarily designed for those with excellent or good credit scores. If you have a poor credit score, your application will likely be denied. Since Scotiabank has a variety of different credit cards on offer, they all have unique credit score requirements. As a general rule of thumb, you’ll need a rating of 670 to be approved.