A credit score of at least 600 is required to be authorised for a charge card or credit card, while some establishments will accept cards with lower scores. "If you have a credit score of less than 600, you will almost certainly be charged a higher interest rate and have a lesser credit limit if you are approved." Aside from the score, you must be at least 18 years old, a US resident, and able to show that you have adequate money to make monthly payments.