I have a family member who has scores in the 675-685 range. They are near retirement age but have had some 'overspending' issues in the past & are now trying to rectify things. Are these scores too low to even consider applying for a cr. card? Should they 'work' to get their scores higher before they try to apply? Is there a minimum score you would suggest they shoot for before attempting to apply? I've heard 700-720 mentioned before.