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Applying for cards that are geared toward your specific credit history improves your chances of getting approved.Avoid applications for credit cards requiring "excellent" credit as you will probably get denied.

For a first credit card, look for credit cards that accept applicants with moderate or no credit.Once your credit is damaged, it can be difficult getting it back on track.Don’t set yourself up for failure; learn all you can about credit cards before getting one.You may have a relative—a parent, for example—who’s willing to help you get your first credit card by cosigning with you.Cosigning is risky —any mistakes you make will affect your and the cosigner's credit—but it can be a good way to jumpstart your credit.

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