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Back Of Gift Card - Praying for You in Your Loss Religious Sympathy Card - Greeting Cards - Hallmark. The result of an application is mostly based on your credit score, although other factors are. With all of the new options, it can be easy to. Credit cards allow for a greater degree of financial flexibility than debit cards, and can be a useful tool to build your credit history. These cards have been in existence since the 1970s. Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial.