I’m new to this credit card concept and all talk about credit, bonus, rewards and APR, late payments and credit build up. How can l know l apply for the right card?

Answered on July 31, 2014
Updated on July 31, 2014
The content is accurate at the time of publication and is subject to change.
James Williams James Williams

The most important thing when you choose a credit card is your credit score. When you know your credit score you can easily choose the card you most likely will be approved for. So, check your credit reports to find out your credit score. When you choose a credit card, check the APRs and fees the card has. Think of how you are going to use your card. If it is only for occasional use, a credit card without annual fee would be a good choice. Pay the balance on the card in full before the due day and you won’t be charged any interest. You can use our card finder tool to see what credit cards you can apply.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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BROWSE MORE QUESTIONS ABOUT No Credit Cards:

You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit.
If you do not have any credit history, you should consider credit cards for people with limited or no credit history. We recommend you consider secured credit cards. Don't worry about security deposit as it is refundable. Also, some secured cards have rewards programs that allow you to earn cash back on your purchases that may potentially cover your deposit expenses.
We can recommend you start with secured credit cards. These cards require a security deposit paid upfront. A secured credit card is a good way to build your credit history as it reports the account activity to major credit bureaus. You just need not to miss payments and pay off your balance. After that, getting approval for an unsecured card will be much easier. For example, you may consider the Merrick Bank Secured Visa® from Merrick Bank. This card can help you build credit, since your account activity will be reported to all three major credit bureaus. The amount of your deposit determines your initial credit...

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