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Getting your first credit card is a big step toward financial freedom. Among the many benefits, a card lets you earn rewards and build credit with responsible card use. Strong credit can help you get better credit cards and loan terms in the future.
There are four simple steps you should follow before you apply for a credit card:
A credit card provider will make a hard pull on your credit when you apply, temporarily lowering your credit score. That means it’s best to apply for cards that will give you the highest chance of approval.
Once you figure out your credit score and which card you want, here’s how to apply for a credit card:
Getting a credit card is easy as long as you know your credit score and you meet the eligibility requirements. As soon as you are approved for a card, make sure to pay your balance before the due date, so you could easily build your credit and open the door toward better credit card options.
But before you apply, do your research to find the best credit card for your needs.
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