Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). How to apply for a credit cardYou can apply for your first credit card in person, by mail, on the phone, or online, and if your credit is good, you'll have your pick of a variety of cards and banking institutions. Check your credit scoreChecking your credit score before applying for a credit card means you'll be fully educated about the kinds of interest rates you can expect from your offers, and the rewards you could qualify for. And even those without extensive credit histories can apply for a starter credit card or a secured credit card to begin building up the necessary foundation. Use your credit card responsiblyMoving from a debit card to a credit card is a crucial transition, as sudden access to all those borrowed funds can produce a temptation to overspend.

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