How to Apply for Your First Credit Card the Right Way Getting your first credit card is a big financial milestone. It’s a tool that can help build your credit history—but only if used responsibly. Here's how to apply smartly and get approved. 1. Know Your Credit Profile If you're new to credit, you might not have a score yet. Consider getting a free report from AnnualCreditReport.com to see what's listed under your name. 2. Choose the Right Type of Card Start with a student credit card or a secured credit card. These are designed for beginners and usually have easier approval requirements. 3. Have Proof of Income Card issuers want to know you can repay what you borrow. Be ready to provide pay stubs, tax returns, or proof of allowance if you're a student. 4. Apply Only for One Card Submitting multiple applications in a short time can hurt your score. Pick the best option and apply only once to avoid unnecessary “hard inquiries.” 5....