When I was younger, I applied for a first credit card. Notice I didn’t say I applied for a first right credit card.
I didn’t know any better. I just accepted the first credit card for which I successfully applied. It happened to be a Wells Fargo card because there was a Wells Fargo branch in my local grocery store.
Getting that card was a mistake.
I wish I would’ve taken a bit more time and applied for the right credit card for me. Don’t make this same mistake. We’ll help you learn how to apply for a credit card, including finding the right credit card for you.
Know Your Credit Score
Before applying for a credit card, you’ll want to know your credit score. Two credit scoring models exist, FICO and VantageScore. These models study your financial history and assign you a score between 300 (worst) and 850 (best). Average scores are…