Things You'll Need:
- Bank account
- Employment
- Co-debtor
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Step 1
Open a checking or savings account. If applying for your first unsecured credit card, you'll need to have a bank account in good standing. Credit card applications request a host of information about your financial history. And if you don't have an active bank account, the credit card company will likely deny your request.
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Step 2
Acquire steady employment. Along with an active bank account, credit card companies require employment and adequate income. Some companies verify employment by contacting your employer---especially if you have no credit history. In other instances, credit card companies simply ask applicants to list employment information on the credit application. This includes your employer's name, address and your annual salary.
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Step 3
Compare credit card offers. There are several types of credit cards. Some feature an annual or monthly fee, whereas others charge excessive rates. Additionally, some credit cards feature an awards program, 0 percent interest and cash back. There are credit cards for students, business owners and people with bad credit. Visit creditcards.com and find the best credit card offer.
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Step 4
Submit your application. Once you've found the right credit card for you, complete and submit your application. It can take up to 2 weeks to process your application and print your new credit card. To speed the process, submit an online application via creditcards.com and receive an instant approval.
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Step 5
Establish a good relationship with the creditor. To maintain the best rate and terms on your unsecured credit card, you'll need to develop a good relationship with the company. Resolve to pay your bills on time and keep your balance low.
