Whoever said first-timers can’t get a credit card? We have a couple of easy-to-follow tips to get your credit card as soon as possible. Without further delays, here are steps to follow from when you first apply for credit cards till how you get a credit card in California.
1. Know your credit score: learn everything you can about your credit score in your report. Before you apply for a credit card, it is important you know the basics of credit scores like the back of your hand. Check out the post on things you should know about your credit score.
2. Consider secured credit cards or student credit cards: when you want to build good credit, the best card choices are those with little or no credit history. An example of first-timers is secured and student credit cards.
3. Pick a reward card that matches your needs: Reward cards are a great choice since you earn based on the number of purchases you make.
You see, picking the best credit card offers in California can be a challenge. There are simply thousands of them. That is why you need to select a card that adequately fits into your lifestyle and spending needs. Once you identify one, then you can apply.
4. Reduce the number of applications: it sounds like a smart thing to apply for a lot of credit cards. You might just get lucky with one. Right? Well, that is not a smart move because you are only inviting hard inquiries from providers.
Too many prying eyes from credit providers is bad for your score. It sends the wrong signals. It could mean you want to take on more debts.
Sign up for credit cards that you are certain that you qualify for.