How to get a credit card for the first time.

Full guidance About credit cards Uses

If you’re ready for your very first credit card, I’d first like to praise you for doing your research before accepting the first offer you receive. Credit cards aren’t created equal. Even among starter credit cards, terms and benefits vary. Here’s everything you need to know to help you pick the right card for your situation.

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How to get a credit card for the first time

Before you start applying, make sure you have a good understanding of the basics of credit. You should know how credit card interest works (and how to avoid paying it), as well as how credit scores work and why they matter.

Once you feel confident about using your first card, it’s time to start weighing your options. If you’re a credit newcomer, you probably won’t have access to most credit cards because issuers don’t have the data to assess how much of a credit risk you are. Still, there’s a couple of ways you can get access to your first credit card account. Here’s what you need to know about how to get a credit card for the first time:

Become an authorized user

A great way to get your feet wet is to become an authorized user on somebody else’s credit card account. You’ll have some access to the account, but the primary cardholder will be responsible for making payments. This is a great option if you’re younger than 18. Credit card issuers can’t offer you their products unless you’re 18 or older, but many allow cardholders to add a minor as an authorized user.

Get a starter credit card

If you’re over 18, you don’t have to ask your guardian for help if you don’t want to. But as I’ve mentioned, credit card issuers have no way of checking how responsible with your debt you are if you have limited or no credit history.

Identify important cardholder benefits

Even after you identify what type of credit card you think will work best for you, you’ll want to compare different options within that category. All credit card companies offer different perks to their cardholders, so it’s worth shopping around until you find some card options that work best for you.