Guide to Getting a Credit Card for the First Time

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Editor’s note: Lantern by SoFi seeks to provide content that is objective, independent and accurate. Writers are separate from our business operation and do not receive direct compensation from advertisers or partners. Read more about our Editorial Guidelines and How We Make Money.
Requirements to Get Your First Credit Card Account
Tips for Applying for a Credit Card With No Credit History
Become an Authorized User
Apply for a Student Card
Apply for a Secured Credit Card
Tips for Choosing Your First Credit Card
Choose a Credit Card You Can Keep Long-Term
Look for a Card With No Annual Fee
Understand the Terms
Tips for Using Your First Credit Card
Making Your Payments on Time
Keeping Your Account Balance Low
Staying on Budget
Reviewing Your Monthly Statement
Understanding the Card Fees
Using Your Credit Card Often
What to Do if Your Application Is Denied
Things to Know as a First-Time Credit Card User
Compare Credit-Building Credit Cards With Lantern
Frequently Asked Questions
Photo credit: iStock/Delmaine Donson
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About the Author
Jason Steele has been writing about credit cards and award travel since 2008. One of the nation's leading experts in this field, he has contributed to dozens of personal finance and travel outlets and has been widely quoted in the mainstream media.
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