Although you can’t expect the spending limit on your first card to be through the roof, it should still be high enough to remain practical. If you’re financially independent and you support yourself, you’re probably going to want to be able to spend more $200 a month. You should seek credit limit of $2000 so your credit ration will be 10%.

Retail and department stores typically have easy credit card approval. On the downside, they have high interest rates that make it expensive to carry a balance from one month to the next. Another downside of these cards is they aren't versatile  you can only use them in that store. That limits what you can purchase, but encourages you to go on a spending spree by offering discounts. You also have opportunity to look up our credit card below.

If you've been responsible with a checking or savings account, try applying for your first credit card at your bank. Having an existing banking relationship can improve your chances at getting a credit card application approved, especially if you’ve handled your account responsibly, e.g. no overdrafts. You can apply online, but visiting a bank branch would put you face-to-face with a representative who may have more authority to get your application approved. You also have opportunity to look up our credit card below.