10 Things You Need to Know Before Getting a Credit Card


Not every individual in the United States qualifies for a traditional credit card. The qualification process is based on numerous factors, including age, income, and credit score. Typically, you must be at least 18 years old to apply for a card, although some card providers let parents add teens to their accounts.

Individuals who do not qualify for a traditional credit card can work to improve their credit then apply again. Another way to get started on the road to a credit card is to apply for “store cards” which allow you to purchase items from a specific store. The payments made to store card accounts will be reported to credit agencies and will improve the chances of qualifying for a traditional credit card.