Check your credit score before applying
Pay down existing debt
Make all payments on time
Keep credit card balances low
Avoid applying for multiple cards at once
Review your credit report for errors
Choose a card that matches your credit profile
Provide accurate personal and financial information
Include all eligible income on the application
Maintain steady employment or income
Have a valid Social Security number or ITIN
Be at least 18 years old
Use a secured card if your credit is limited
Become an authorized user on a responsible account
Build credit history before applying for premium cards