Step 1: Let your approval odds guide you.
Before you pick the specific credit card you want, you’ll need to know what your credit score is. Make sure your credit score is up-to-date then verify the cards recommended for your credit score range.
Step 2: Do the research.
Choose two or three credit cards for which you have good approval odds. Then, compare the two by reading credit card reviews. Pay attention to the points that matter to you. For instance, if prompt customer service is important to you, make sure none of the reviews complain about poor customer service.
Step 3: Read the fine print and apply.
Before applying for a card, read through the details of the credit card offer to make sure you know what you’re applying for. For instance, if you’re uncomfortable paying an annual fee, make sure the card you’re interested in comes fee-free. When you’ve read through the fine print, go ahead and apply.
Step 4: Use your new card responsibly.
Once you receive your new card and activate it, it’s time to start making responsible credit moves with it. Using a credit card is one of the best ways to build your credit, so follow the guidelines for using your new credit card, such as making your payments on time and keeping your credit card utilization rate below 30 percent.